Islamicworking capital finance of orio pharma : ombination of ijarah and musharakah

Abstract EN

This case is the overview of banking services of Al-Zamin Investment Bank to its client, Orio Pharma.

It highlights the eciency and e ectiveness of bank in meeting the specific and unique requirements of its customers.

The requirements of Orio Pharma included import of raw material from China and production of final goods.

Al-Zamin bank o ered them Mush¯arakah and Leasing (ij¯arah) against mortgage of single security to meet these requirements.

Along with Alzamin Investment Bank, the process involved Sustainable Development Authority (SDA), Soneri Bank, lawyer, Regional Coordinator, Regional In-Charge, supplier in China, and Shipment Company.

This study discusses the di erent steps and role of participants in the process of fulfilling customer requirements.