Financing
for business growth
Buy equipment, vehicles and other assets on transparent terms that follow the principles of Islamic finance.
The mark-up and payment schedule are fixed in the contract before signing
After signing, the terms are not changed unilaterally
Products
How the process works
Choose a product
from a KamKam partner
In store or online. Just say you want to pay in instalments through KamKam.
Submit a request
— it takes 3 minutes
The exact list of documents depends on the product and amount — the manager provides it before the contract is signed.
Take it home
and pay in instalments
We transfer the full amount to the seller straight away. You repay on a convenient schedule.
Shariah compliance certificates
Unofficial translation
Certificate of compliance of the “Murabaha” product with AAOIFI international standards
The certificate confirms that, following a review, the contract and annexes for the “Murabaha” product comply with Shariah requirements.
Answers to popular questions
All answersYou submit a request on the site, a manager contacts you within a business day, clarifies the details and requests documents. A decision usually takes 1-3 business days.
For sole traders and companies - registration documents and a bank statement; for individuals - a passport and proof of income. The exact list depends on the product.
No. The full mark-up and final amount are fixed in the contract before signing and do not change. No interest or penalty is charged on late payment. The consequences of late payment are set out in the “General terms” section.
Yes. We assess the business plan and the project prospects, not only current revenue - many clients started their business with their first KamKam deal.
We use the murabaha model: we buy the asset and sell it to you in instalments with a mark-up agreed in advance, without interest. Every deal is approved by the Special Council on Islamic Finance.
Yes, the contract can be closed early at any time - with no early repayment fee.