Shariah Compliant
Financing Model

At Finja Invest, our commitment to ethical and productive financing is deeply rooted in Islamic principles.

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Who are We?

Finja Invest is at the forefront of transforming businesses through purpose-driven financing solutions. Our investment portfolio extends across diverse industries, including the essential supply chains of Fast-Moving Consumer Goods (FMCG), Agriculture, and Logistics. Additionally, for institutional or individual borrowers outside of the supply chain ecosystem,  Finja also provides finances against Gold. With a closed-loop and purpose-built financing model, Finja Invest empowers businesses to attain unparalleled financial stability. Our commitment lies in strategically supporting these vital sectors, enabling them to thrive and contribute to the nation's economic growth. Through tailored investment strategies, we facilitate sustainable growth and foster a brighter future for businesses within these dynamic industries.

Shariah Compliance Certificate

Issuer: Usmani & Co.

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Our Independent Director & Shariah Advisor
Dr. M Imran Ashraf Usmani

He holds an L.L.B and Ph.D. in Islamic finance and is presently the Group Head and Vice Chairman of Shariah Supervisory board at Meezan Bank Ltd and is responsible for Research and Product Development of Islamic banking products, advisory for Sharia-compliant banking and supervision of Sharia Audit & Compliance. He is also the President and CEO of Usmani & Co. Pvt. Ltd that provides full suite of Islamic finance consultancy, Shariah advisory and related ancillary services to local and international clients across all legal jurisdictions and financial and non-financial sectors.

How is our Financing based on Islamic Principles?

We operate as a Shariah-compliant investment platform, making us a trusted financial partner for those seeking ethical investment opportunities. Instead of disbursing cash, we provide financing against the stock the borrower purchases or for the invoice the borrower seeks to discount. This rigorous oversight not only guarantees the ethical purity of our financing but also provides peace of mind to our valued investors, assuring them that their investments are conducted within the bounds of Islamic ethics. We consider Shariah compliance as not just a requirement but a fundamental element that underpins our entire approach to responsible and ethical financing.


Invoice Financing

Closed-Loop Stock Financing

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