Islamic Banking Loan Product

Our loan products have been structured under the Sharia contract of Murabaha-Bi. Thamanin Ajil. The process flow for Murabaha-Bi. Thamanin Ajil (cost plus profit with deferred payment basis) is as follows.


  • A customer requests bank to open LC.
  • A customer deposits full amount of the price of imported goods – Wadiah yad Dhamanah
  • KCB opens LC and pays the negotiating bank.

 Standard Requirements

  • Maintain an account with KCB for at least six months.
  • Must be in business for not less than one year.
  • Operate sharia compliant business (excluding mining).

Loan Calculator

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