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AlHuda Calendar 2026

International Events & Training Calendar 2026

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AlHuda CIBE

MCB BANK LIMITED

 

Asset Side Products

 
Product Name Mode Type of Product Basis for Pricing Tenors Target Customers
Al-Makhraj Car Ijarah Ijarah Wa Iqtina consumer Rentals can be fixed or variable linked with the bench mark having floor and cap 1-5 Year Individual and Corporate clients
Al-Makhraj Equipment Ijarah Ijarah Wa Iqtina SME, corporate Rentals can be fixed/ variable linked with the bench mark having floor and cap 1-7 Year Small, Medium Enterprises / Corporate clients
Al-Makhraj Diminishing Musharka Equipment Financing Musharaka SME, Corporate Rentals can be fixed or variable linked with the bench mark having floor and cap, Rentals can be changed from time to time or at fixed intervals. 3-7 Year Small, Medium Enterprises / Corporate clients
Murabaha Financing (Local/Foreign) Murabaha SME, Consumer Profit is allocated either on the basis of percentage over the cost or in lump sum by applying the method of profit on average investment, based on payment schedule or terms of payment already agreed upon. The recurring expenses of future dates, till the last delivery according to payment schedule under pledge arrangement, shall also beincluded as a part of profit. Mostly allowed for less than one year, before introduction of Ijarah facility. Small, Medium Enterprises / Corporate clients
Islamic Finance Against Foreign Bills (IFAFB) Murabaha / Musawama SME, Corporate Linked with matching KIBOR + spread to be agreed with the customer. OR - Applicable Export Bill Discounting Rate quoted by treasury will be used - The bank‟s profit is built in the buying and selling spread of the foreign currency assuming that the FX position in squared simultaneously 180 days Small, Medium Enterprises / Corporate clients
  Islamic Export Refinance Scheme (IERS) Murabaha / Musawama SME, Corporate Islamic Bank shall fix weight-age for sharing profit by State Bank Of Pakistan at the beginning of each month. Fixation of weight-age shall normally be based on the prevailing mark up rate on export finance fixed by State Bank Of Pakistan, in conventional banking. 180 days Steady Clients / Small, Medium Enterprises / Corporate clients
 

Liability Side Products

 
Product Name Mode Type of Product Tenors Profit Calculation Target Customers
Al Makhraj Term Deposits Musharaka or other Islamic mode of Financing transactions Term Deposit 1 month-5 years Daily basis Individuals and short term investor
Al Makhraj Savings Account Musharaka or other Islamic mode of Financing transactions Saving as per client preferences Daily basis Individuals and short term investor
Ianat (Currrent) Account Al wadiya Current As per clients preference NA Individuals - Corporate Clients looking for Riba Free Banking
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.

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Sukuk Research Portal

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

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CEIMF

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

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Halal Research Council

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

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AlHuda Today

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

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True Banking Magazine

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

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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.

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