Home Terms & Conditions

Terms & Conditions

  • Eligibility: 6 months’ membership and not exceeding 60 years of age at the end of the last installment repayment
  • Shares Multiplier Financing (SMF)
    We finance our members four times their shares/savings contributed - (1 x 4)
  • Sureties / Collateral / Lien / Floating / Fixed charges as per Finance Act
  • Share Rider: Rs. 200.00 on each installment – Save As You Service (SAYS)


Benefits & Services

  1. Schemes to plan your budget
  2. No hidden costs/charges
  3. Profit is fixed and attractive
  4. You know Al Barakah's cost & selling price
  5. Flexible repayments
  6. Your debt never increases
  7. Salary deduction facilities for government employees
  8. Islamic customer-friendly concept


Our Reserves & Funds

  1. Statutory Reserve (According to Co-operative Act 2005)
  2. Profit Equalisation Reserve
  3. Dividend Equalisation Fund
  4. Social Takaful Fund





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O you who have believed, do not consume usury, doubled and multiplied, but fear Allah that you may be successful.

Quran [3:130]