Sectors
One infrastructure, shaped for every sector.
Murabaha, ijarah, musharakah, sukuk, takaful and zakat take a different shape in every sector. Pick yours to see its products, actors and a typical flow on IslamicOpenFinance™.
All sectors
16 sectors
Retail Islamic banking
Customers expect instant, app-first banking; the contracts behind it still run on systems built for interest.
- Murabaha personal financing
- Qard and wadiah current accounts
- Profit-sharing investment accounts
Home finance
The longest contract a household signs, with ownership changing hands every month.
- Diminishing musharakah
- Ijarah muntahia bittamleek
- Valuation and title evidence
Auto finance
Dealers want a decision at the showroom; the lessor has to own the car before the lease starts.
- Ijarah at the dealer
- Murabaha car finance
- Lessor maintenance and takaful
Hajj and Umrah travel and savings
Pilgrims save for years; travel packages, quotas and dates all depend on the Hijri calendar.
- Goal-based savings
- Operator payments
- Hijri-aware schedule
SME and trade finance
Small firms need working capital fast; sale-based finance needs the bank to own the goods first.
- Stock murabaha
- Salam for production
- Istisna for manufacturing
Corporate treasury
Surplus cash needs an Islamic home; shortfalls need liquidity without interest.
- Commodity murabaha placements
- Wakalah investment
- Liquidity sukuk holdings
E-commerce and marketplaces
Shoppers want to pay over time at checkout; the financier has to buy before it sells.
- Murabaha at checkout
- Profit-rate routing
- Takaful at sale
Food and agriculture supply chains
Quality and origin run from farm to shelf; the financing should follow the same goods.
- Salam for harvests
- Input murabaha
- Commodity-linked liquidity
Real estate and construction
Buildings are financed before they exist; the contract has to follow each stage.
- Istisna for construction
- Parallel istisna
- Ijarah on completion
Energy and infrastructure projects
Long-lived assets, many parties and decades of payments.
- Project sukuk
- Construction istisna
- Forward lease
Sovereign and corporate sukuk issuers
Every issuance repeats the same steps; each one is still run by email and spreadsheets.
- Issuance workflow
- Subscription book
- Asset register
Islamic funds and asset management
Screening, purification and distributions have to be provable to investors and boards.
- Shariah screening
- Purification of income
- Subscriptions and redemptions
Takaful and retakaful
Participants share risk through a fund the operator manages but does not own.
- Contribution split
- Claims from the risk fund
- Surplus handling
Islamic microfinance
Small amounts, many customers and the need for low-cost, fair contracts.
- Micro-murabaha
- Qard hasan
- Group products
Waqf and zakat institutions
Donors and beneficiaries both need to see where each amount went.
- Zakat assessment (illustrative)
- Collection
- Eligibility and disbursement
Government and public sector
Public finance in Islamic markets needs the same governance and evidence as any bank.
- Sovereign sukuk programmes
- Shariah governance workflow
- Treasury placements