eTijar

Make profit not Interest

Organise bank accounts, stocks, investments and safely designate an administrator for your estate. Use our ethical money app to Achieve Your Financial Goals Without Compromising your belief

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Use secure Banking links to connect your bank accounts and credit cards to view all your transactions in one place
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Achieve your financial goals without compromise
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Zero Interest, Transparent financing for small-businesses. Manage your business in one place
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At eTijar, we believe that the best opportunities should be seized, on your own terms.

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Achieve your financial goals by investing in Islamic Investments

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Connect all your bank accounts in one place

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Get insights on your debt, expenses, set goals, and increase your savings that leads to Investments. Get started today with us for Free

Three products, One goal.

Personal loans for the everyday borrower

eTijar offer access to personal loans for middle-income borrowers that need help with things like unexpected personal expenses in the form of Qard Hasn a Benevolent Loan at 0% interest forever.Learn more

Transparent financing for business

eTijar helps you build your small business and grow while staying within your personal beliefs, ethical and shariah business rules.Learn more

Ethical Wealth and Growth

You do not and should never compromise on your beliefs to make money. eTijar provides a means for you to invest and grow your money safely and securely for the medium and long-term that will not conflict with your belief or principles.Learn more
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An investment pot for your children

Open an investment account for your child where you, your family and friends can all invest for your child’s future.

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Let eTijar take the anxiety and hassle out of managing your finances. Instantly unlock insights on your spending.

UNBURDEN YOURSELF

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WASSIYAT وصیت

Many people leave their estates to guesses and squabbles, a lot of assets never get found or known about, even more creating an estate plan in compliance with Islamic rules of inheritance is a practice abandoned. Wassiyat changes everything. Now you can create legal documents that comply with Islamic rules in minutes, at a very low cost, and in the comfort and privacy of your own home. We can further get it notarized if you desire. We keep simple so reviews are easy and quick.

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ZAKAT الزكاة

Zakat is obligatory on all Muslims who are in possession of surplus wealth for a full lunar year, exceeding the monetary value of 85 grams of gold (7.5 Tola), we will help you calculate it either by your manual input or as an automated action from your eTijar account. eTijar will help you with deduction and payout to vetted charities, zakat funds, and individuals of your choice.

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You still have plenty of questions to ask? Checkout our Frequently Asked Question

What is a Shariah-compliant fund?

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The most common forms of Shariah-compliant investment funds are equity funds, real estate funds and money market funds. These investment funds employ Islamic contracts which ensure that the terms and rights of all parties are safeguarded in conformity with Islamic principles.

What are the main principles of Islamic finance?

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Two fundamental principles of Islamic banking are the sharing of profit and loss, and the prohibition of the collection and payment of interest by lenders and investors. There are more than 300 banks and 250 mutual funds around the world that comply with Islamic principles.

What are the major modes of Islamic financing?

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Some of the modes of Islamic banking/finance include Mudarabah (profit-sharing and loss-bearing), Wadiah (safekeeping), Musharaka joint venture, Murabaha (cost-plus), and Ijara (leasing). The Qur'an prohibits riba, which means increase

How do you make money if interest is prohibited?

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Islamic financiers operate without interest, which is not permitted in Islam. Instead, money is generated through profit from investments. Each Islamic finance or investment firm has a panel of Muslim advisers who ensure that these investments are compliant with Sharia law.

Why is Shariah compliance important?

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Reputational risk is particularly damaging for shariah-compliant entities especially the banks since the nature of their business requires them to maintain the confidence of the depositors, creditors, and the general marketplace. Thus, the compliance issue is one of the most crucial factors in determining smooth and successful banking operations.

Can finance be Islamic?

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Islamic finance refers to how businesses and individuals raise capital in accordance with Sharia, or Islamic law. It also refers to the types of investments that are permissible under this form of law. Islamic finance can be seen as a unique form of socially responsible investment.

Encouraging stability in investments

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Companies whose financial practices and operations are too risky are usually kept away by Islamic financing companies. By performing intensive audits and analyses, Islamic finance promotes the reduction of risk and creates space for greater investment stability.

Can’t find the answer you’re looking for? Reach out to our customer support team.

Make profit not interest

When you invest, your capital is at risk

eTijar.com is a property of eTijar Financial Technologies Limited, a company duly registered with the Corporate Affairs Commission of Nigeria. eTijar.com provides financial services in partnership with financial providers. All banking services and account numbers are provided by Sterling Bank Plc, regulated by the Central Bank of Nigeria, all funds are kept and managed by SEC licensed fund managers and Trustees. Please note the indicative rate of return shall not be guaranteed and past performance does not guarantee future investment performance. The indicative rate of return is not fixed and may, as such, vary from time to time depending on the investment period and prevailing economic, political or social circumstances.

Talk to a human

If you have any questions about eTijar or the services we are offering, you can email us at [email protected]

Contact

Plot 203 IEC Crescent, off Oladipo Diya Street, Durumi 2, Abuja