Profile

All praise and thanks are Allah’s

First Habib Modaraba (FHM) is operating in Pakistan’s financial market as Non-Bank Islamic Financial Institution as one of the pioneers within Modaraba sector. With a track record of excellent performance of more than 3 decades is the success story of dedication and commitment to provide the investors a sound and continuous return. Consistency in distribution of dividends among the certificate holders along with increase in certificate holders’ equity has made FHM a top performing Modaraba within Modaraba sector.

Continued on FHM Profile page

Certificate of Investment (Musharakah based)

It is on the basis of this expertise and know-how that FHM presents a prime investment opportunity in the form of Certificate of Investment

Learn More
Diminishing Musharaka

In Arabic it is called Shirkat-ul-Mutanaqisa. Diminishing Musharaka is just a Musharaka with an additional feature of decreasing ownership of one party.

Learn More
Istisna

Istisna’a is a sale contract between the FHM as Al-Sani (the seller) and the customer as Al-Mustasni (the ultimate purchaser) whereby the FHM.

Learn More
MURABAHA

Murabaha is a non-participatory mode of Islamic financing where the FHM sells the asset required by its client to the client on cost-plus profit basis.

Learn More
SIRAT AUTO FINANCING

The steady rise in the cost of vehicles has made buying the car of your choice a difficult reality.

Learn More
SALAM

A Salam, (sometimes referred to as Salaf) is a short-term agreement in which a financial institution makes full prepayments for future delivery of a specified quantity of goods on a specified date.

Learn More
PROJECTION OF PROFIT RATES
Learn More
Last updated on 28/11/2022