Distance Learning Program

Highly structured and innovatively designed DLP.

AlHuda Calendar 2026

International Events & Training Calendar 2026

Online
Registration

Get register in our Current courses/events.

Download
Profiles

Download AlHuda's Profiles, DLP & HRC Program Profiles

AlHuda CIBE

BANK OF KHYBER

 

Asset Side Products

 
Product Name Mode Type of Product Basis for Pricing Tenors Target Customers
Murabaha Murabaha Financing for working capital requirements of SME, Corporate, Commodity Operations and consumer Currently ranging between 14% to 18% as per policy of the Bank approved on case to case basis by competent authority subject to change as per profit rates/market trend. However, price of Murabaha once booked cannot changed 1 month-2 years Business Community
Chief Minister NWFP Agriculture Scheme Murabaha Agriculture 6.5 % p.a. as per policy of the Bank. 1 year Farmer Community
Ijarah Muntahia Bitamleek Ijarah Muntahia Bitamleek Consumer, SME, Corporate Currently ranging between 14% to 18% as per policy of the Bank approved on case to case basis by competent authority subject to change as per market trend. 1 Year-- Five years in case of Car Ijarah and Commercial Ijarah, three years in case of Motorcycle Ijarah and fifteen years in case of House Ijarah Facility. (House Ijarah is used for conversion of loans only) Five years in case of Car Ijarah and Commercial Ijarah, three years in case of Motorcycle Ijarah and fifteen years in case of House Ijarah Facility. (House Ijarah is used for conversion of loans only)
Khyber Motor Cycle Ijarah Scheme Ijarah Muntahia Bitamleek Consumer (For Government Employees) Currently ranging between 14% to 20% as per policy of the Bank approved on case to case basis by competent authority subject to change as per profit
Islamic Banking Department
74
rates/market trend
3 years Government Employees
Musharaka Musharaka SME, Corporate. As per Agreement As agreed by parties/depending upon project Business Community
Diminishing Musharaka Diminishing Musharaka Consumer, SME, Corporate Currently ranging between 14% to 18% as per policy of the bank approved on case to case basis by competent authority subject to change as per profit rates/market trend. 1-15 years Business Community, Employed & Self Employed people of N.W.F.P.
Mudaraba Financing Mudaraba Financing Consumer, SME, Corporate Actual sharing of profit Depending upon project completion NGOs/ Reputed Businessmen
Foreign Currency Remittances under Islamic Banking Service charges Remittances Percentage of remittances nil Starting from Hayatabad Branch where target market is the local area businessman. It will soon be extended to other areas of the country.
Foreign Currency Deposit under Islamic Banking Qarz-e-Hasana Deposits Current Account nil Starting from Hayatabad Branch where target market is the locan area businessman. It will soon be extended to other areas of the country.
 

Liability Side Products

 
Product Name Mode Type of Product Tenors Profit Calculation Target Customers
Current Account Qard Qard NA NA General Public, Govt Deposits
Interest Free PLS Saving Account Musharaka Saving NA Average Daily Product basis General Public, Govt Deposits
Riba Free Certificates Musharaka Saving 6 month-5 years Average Daily Product basis General Public, Govt Deposits
 
 
Our Products

What we bring to you

Takaful Consultancy Wing

Takaful Consultancy Wing is a proactive service of AlHuda CIBE managed by a team of highly qualified and competent Takaful professionals.

Read more

Sukuk Research Portal

Sukuk Research Portal is a unique platform, to access latest information on Sukuk. It provides the latest Sukuk news.

Read more

CEIMF

Facilitates and strengthens the Islamic Microfinance Industry to create a sound economic and social growth.

Read more

Halal Research Council

Halal Research Council (HRC) is working globally on Halal certification, Education, Trainings & publications.

Read more

AlHuda Today

Towards the pursuance of our goal to promote Islamic banking and finance all over the globe, AlHuda CIBE is working diligently.

Read more

True Banking Magazine

True Banking is a bi-monthly magazine, which mirrors the knowledge of Islamic finance & banking in all its activities.

Read more
our blog

Our latest news

testimonial

What our clients says?

Mr. Shafqaat AhmedCountry Head, AlBaraka Islamic Bank Limited - Pakistan

Alhuda CIBE offers trainings that are regular, and their quality is very good. There are only fewer organizations which are giving trainings of Islamic banking to young professionals that is much appreciable.

Abdul RaqibExecutive President, Bank Islami Bangladesh

I am really impressed and motivated to see AlHuda CIBE efforts towards development and promotion of Islamic Banking in Pakistan. It will be an honor for us if AlHuda organize such awareness activities in Bangladesh.

Governor.State Bank of Pakistan.

We hope that AlHuda CIBE effort for promotion of Islamic Banking through holding training programs and organizing seminars will continue for the benefit of Islamic the Banking Industry in Pakistan as well as aboard.

Pervaiz SaidPresident of Chief Executive Officer, Dawood Islamic Bank Ltd.

AlHuda has taken up the subject seriously and after due consideration, I feel that we should promote and encourage the people in his serious effort. In a way, AlHuda CIBE has shared our burden.

Prof. Dr. Khawaja Amjad SaeedPrincipal Hailey Collage of Banking and Finance, The Punjab University - Lahore

This is a great initiative to aware & educate the people and spread the message of Islam. ALHUDA is doing a very good job and we must be promote it.

Dr. Zubair UsmaniShariah Advisor, MCB Bank Limited

The achievements of Alhuda CIBE are wonderful. AlHuda should also introduce some courses to Islamic scholars so that they could have conventional banking trainings as well so that their knowledge of supervision should be two pronged in order to judge the both systems.

Mr. Muhammad Kamran ShahzadDeputy Governor, State Bank of Pakistan

I would once again applaud the efforts of Al Huda CIBE for arranging the Conference, Trainings and workshops and hope that Alhuda CIBE will be successful in meeting the objectives and contribute to further developments of Islamic banking in Pakistan and abroad.

Mr. Hasan Aziz BilgramiChief Executive Officer, BankIslami Pakistan Limited

I appreciated the effort of AlHuda CIBE to spread Islamic Banking Awareness and Education through Conferences, Magazines, Workshops and Trainings. I wish Alhuda CIBE may attain the sublime grandeur in fame and development.

Kazi Abdul MuktadirManaging Director, NIBAF-State Bank of Pakistan

Although AlHuda CIBE is our competitor but we love to support Alhuda CIBE as it facilitates people to learn various aspects of Islamic banking and finance. We will keep on helping each other for the promotion of banking and finance knowledge in Pakistan and all over the world.

Abdul Qadir FitratGovernor, Central Bank Afghanistan

I would like to thank AlHuda Centre of Islamic Banking and Economics to work for the first initiative towards spreding the knowledge of islamic banking and finance in Afghanistan.

Haji Abdul Malik KassimMinister for Religious Affairs Penag - Malaysia

Through signing MoU, with AlHuda CIBE & Halal Research Council (A subsidiary of AlHuda) we will work closely for the promotion on Halal industry in the world. It was a very significant moment.

Strategic Partners