At Yonna Islamic Microfinance, our financing products empower individuals, groups, businesses, and farmers through Shariacompliant financing ethical, interest free, and asset based.
A partnership where one party provides capital and the other manages the business. Profits are shared based on a pre-agreed ratio, while losses are borne by the investor.
A cost plus financing model where YIMF purchases goods and sells them to clients at an agreed profit margin, payable over time transparent and Shariah compliant.
A joint partnership where all parties contribute capital and share profits and losses. Ideal for business ventures and investment partnerships.
Advance payment for future delivery of goods, mainly used in agricultural financing. It provides farmers with upfront capital to enhance production.
A lease based contract where YIMF buys and leases out assets to clients for an agreed period and rental fee, transferring ownership at the end if applicable.
Used for manufacturing and construction financing. YIMF finances the creation or production of assets, with payments made progressively or at completion.
An agency agreement where YIMF acts as an agent on behalf of a client for a specific business or investment activity in exchange for a service fee.
A benevolent loan provided without interest to help individuals meet short-term needs. The borrower only repays the principal amount, promoting social welfare.
Follow these simple steps to apply quickly and securely.
Speak with a Yonna representative at your nearest branch.
Provide valid ID, proof of income, business plan, or group registration details.
Discuss financing needs and agree on a Sharia compliant structure.
Receive funds or assets according to agreed terms.
Flexible repayment with continuous support for success.