Approved by our independent Shariah Supervisory Board, offering Murabaha, Ijara, Musharaka, and more.
The bank purchases an asset on behalf of the client and sells it at a disclosed markup, with payment deferred over an agreed tenor. This is Livo Bank's most widely used Islamic finance structure for home, auto, and personal finance.
The bank leases an asset to the client for a fixed period with agreed rental payments. At the end of the lease term, ownership may transfer to the client (Ijara wa Iqtina).
A partnership-based structure where the bank and client jointly invest in a project or asset. Profits are shared according to a pre-agreed ratio, while losses are borne in proportion to capital contribution.
A safekeeping account where the bank guarantees the return of your deposit on demand. The bank may provide a voluntary gift (hiba) based on its discretion, with no guaranteed returns.
Your deposit is pooled with other investors and managed by Livo Bank. Profits are shared between you (the investor) and the bank (the manager) based on a pre-agreed ratio.
Islamic cooperative insurance where participants contribute to a mutual pool (Takaful fund). Claims are paid from the pool, and any surplus is shared among participants or reinvested.
Strict prohibition of interest in all transactions
No excessive uncertainty or ambiguity in contracts
Profits and losses shared between parties
All financing tied to real assets and transactions
Open an Islamic account today and benefit from our full suite of Shariah-approved financial solutions.
Trusted Shariah-compliant solutions for thousands of families and businesses.
"The Murabaha home finance was exactly what I needed — fully Shariah-compliant with transparent terms. Livo Bank made the entire process straightforward and stress-free. JazakAllahu khairan."
"Opening a Wadiah savings account for my children's education fund was the best decision. The profit rates are competitive and the Shariah board's oversight gives me complete peace of mind."
