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TERM INVESTMENTS (WAKALA FOR INVESTMENT)


Wakala refers to a contract where an investor authorizes an entrepreneur (Al-Falaah) to do certain financial transactions on his/her behalf. It is a contract of agency where Al-Falaah will act as an agent of the investor, while charging a fixed management fee (Wakala Fee). The profit of the Wakala will be shared according to a mutually pre-agreed profit rate. If the agent succeeds in generating a surplus (higher than agreed profit rate), he/she may retain it as agreed on the Wakala Agreement. Benefits at a glance: Higher profits, Highest Safety and Security Long term financial planning.

Wakala Investments, while providing an alternative to fixed or term deposit methodology, gives the investor a path to plan out investment returns and financial security.

  • Higher profits
  • Highest Safety and Security
  • Long term financial planning
  • Corporate Fixed deposits
PeriodMonthlyAnnuallyMaturity
Months
Rate
AER
Rate
AER
Rate
AER
15.01%5.13%--5.01%5.13%
35.14%5.26%--5.26%5.36%
65.38%5.51%--5.51%5.59%
126.79%7.01%7.01%

7.01%
7.01%7.01%
136.79%7.01%--7.01%6.99%
186.79%7.01%--7.01%6.89%
247.50%7.76%7.76%7.76%7.76%7.48%
367.96%8.26%8.26%8.26%8.26%7.66%
487.96%8.26%8.26%8.26%8.26%7.40%
608.43%8.76%8.76%8.76%8.76%7.54%

PeriodMonthlyAnnuallyMaturity
(Months)RateAERRateAERRateAER
15.01%

5.13%
--5.01%5.13%
3
5.14%5.26%--5.26%5.36%
6
5.38%5.51%--5.51%5.59%
127.26%7.51%7.51%7.51%7.51%7.51%
137.26%7.51%--7.51%7.49%
187.26%7.51%--7.51%7.38%
247.96%8.26%8.26%8.26%8.26%7.94%
368.43%8.76%8.76%8.76%8.76%8.09%
488.43%8.76%8.76%8.76%8.76%7.80%
608.89%9.26%9.26%9.26%9.26%7.91%

PeriodMonthlyAnnuallyMaturity
Months
Rate
AER
Rate
AER
Rate
AER
15.01%5.13%--5.01%5.13%
35.14%5.26%--5.26%5.36%
65.38%5.51%--5.51%5.59%
126.79%7.01%7.01%

7.01%
7.01%7.01%
136.79%7.01%--7.01%6.99%
186.79%7.01%--7.01%6.89%
247.50%7.76%7.76%7.76%7.76%7.48%
367.96%8.26%8.26%8.26%8.26%7.66%
487.96%8.26%8.26%8.26%8.26%7.40%
608.43%8.76%8.76%8.76%8.76%7.54%