Business eligibility
SMEs are screened for identity, ownership, sector, use of funds, repayment capacity, and Shariah eligibility before financing is offered.
SME Financing
Faith-aligned capital for real businesses.
ZARI SME Financing channels eligible investor capital into reviewed business activities in Cameroon. Structures may include Murabaha trade finance, Mudaraba participation, or other approved contracts depending on the need.
Business finance
Use case
SMEs
Screening
KYC + KYB
Contracts
Reviewed
Focus
Real economy
Product structure
Built as a real contract, not a marketing wrapper.
Contract matched to need
Inventory purchases can use Murabaha, partnership activity can use Mudaraba or Musharaka, and working-capital flows are structured only after review.
Investor protection
Financing files include business documentation, repayment schedule or profit-share logic, risk notes, and approval records.
Community impact
The goal is to connect diaspora capital with productive Cameroonian businesses while keeping investors informed about the real activity being financed.
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Real economy exposure
Capital supports trade, services, inventory, and productive activity rather than speculative instruments.
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Use-of-funds controls
Funds are tied to approved purposes and monitored through documentation and repayment workflows.
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Portfolio visibility
Investors can review the product profile, risk notes, and reporting cadence before subscribing.
Investor terms
What you see before you subscribe.
Who it suits
Investors who want ethical exposure to Cameroonian business activity and accept higher operational and credit risk.
Important risk
SME financing can involve delayed payment, business under-performance, or default. Product documents must be reviewed carefully.
Ready to move from intention to action?
Create your ZARI profile, complete KYC, and review every contract before a single XAF is committed.
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