Mourabaha Simulator

This tool simulates Mourabaha financing (cost-plus sale with an agreed margin) at Algerian banks and Islamic-finance windows: the bank buys the asset and resells it to you at a price fixed upfront = cost + profit margin, repaid in fixed instalments. Interest-free (no riba): the margin is flat on the financed amount over the whole term, not on a reducing balance.

Enter the purchase price, the hamich jiddiya (down payment), the term and the margin rate (set by the bank). The result is indicative – a simulation, not a financing offer; the margin, fees and takaful insurance are set in your contract.