ERP for Chain Hasana — Interest-Free Banking
Shariah-compliant account structures, profit-sharing, and multi-branch reconciliation built for interest-free banking and microfinance networks.
Profit & Loss Sharing Accounts
Mudarabah and Musharakah-style account structures with profit-ratio calculation instead of fixed interest.
Qard-e-Hasan (Interest-Free Loan) Tracking
Disbursement and repayment tracking for interest-free loans, with no interest accrual logic anywhere in the ledger.
Shariah-Compliant Contract Management
Support for Murabaha, Ijara, and other Shariah-compliant financing contract structures.
Branch-Wise Ledger & Reconciliation
Consolidated reconciliation across every branch, with per-branch ledgers rolling up to head office.
Zakat Calculation & Reporting
Automated zakat calculation on eligible balances, with reporting ready for disbursement.
Customer KYC & Compliance Documentation
Member and customer onboarding with KYC documentation and audit-ready compliance records.
Frequently asked questions
How are profits calculated without interest?
Profit-and-loss sharing accounts use agreed profit ratios instead of interest, in line with Mudarabah/Musharakah structures.
Can it handle Qard-e-Hasan loans?
Yes, interest-free loan disbursement and repayment tracking is built in with no interest accrual anywhere in the ledger.
Does it calculate zakat automatically?
Yes, zakat is calculated automatically on eligible balances and made ready for disbursement reporting.
Running an interest-free banking or microfinance network?
We'll map these modules against your branch network, contract types, and Shariah advisory requirements.
Contact us