Musharakah means a relationship established under a contract by the mutual consent of the parties for sharing of profits and losses in the joint business. It is an agreement under which the Ghazanfar Bank Islamic Window provides funds which are mixed with the funds of the business enterprise and others. All providers of capital are entitled to participate in management, but not necessarily required to do so. The profit is distributed among the partners in pre-agreed ratios, while the loss is borne by every partner strictly in proportion to respective capital contributions.

The facility covers:

• Purchase of stocks or raw materials required for manufacturing of finished goods for trade  
•  Tradeable goods or equipments
• Arranging and selling of services.

Securities:

Constructive charge on the stocks/raw materials/tradeable goods/Equipments purchased for trading.
You shall provide additional guarantee from a third party or any additional collateral security acceptable by the Bank to secure the arrangement.

Detailed benefits:

• Provides adequate cash flows to meet the day to day requirement of business.
• Flexible margin requirement
• The facility extended for a period of one year initially can be extended after review.