- Dinar for Investment offers a range of financial products compliant with Islamic Shariah provisions, providing investors with diverse and secure opportunities that meet various financial needs, within a reliable and professional investment experience. Its products include: Murabaha Sukuk, Cash Dinar (deposits), equity funds, financing funds, private equity and real estate funds.
- There are no fees for transfers through the Dinar platform.
- Dinar offers diverse funds including: equity funds, real estate funds, direct financing funds, private equity funds, each designed to meet different investment objectives.
- No, investing in Sukuk does not grant ownership in the company, but rather a proportional share in a specific asset, and the relationship is considered a financing relationship that ends when obligations are paid on the specified date.
- The land is evaluated through two accredited appraisers.
- Breaking the deposit is not allowed, and the client is committed to the remaining period of the investment term.
- The Cash Dinar product is approved by an independent Shariah committee.
- This varies by fund type. In public funds, investors can usually withdraw at any time according to fund policies. In private funds, investment cannot be withdrawn except at the end of the fund term specified in the terms and conditions.
- The minimum investment is 1,000 Saudi riyals.
- Expected returns vary from fund to fund according to its type and investment strategy. Please refer to the information memorandum for each fund to see details of target returns.
- A program is a collection of issues. For example, a program worth 20 million riyals distributed across 4 issues, with each issue worth 5 million riyals.
- Yes, you can increase your investment amount before the investment period starts. To do this, you need to start a new investment if the investment period is available.
- The investment status is changed to accepted once the investment is accepted, and then units are issued.
- The return varies according to the investment duration in Cash Dinar.
- All categories of natural persons such as individuals or legal persons such as institutions, companies, investment funds, quasi-governmental entities, endowments, associations, family funds, and other non-profit organizations can benefit from Dinar platform registration services.
- No, investing in Sukuk does not grant ownership in the company, but rather a proportional share in a specific asset, and the relationship is considered a financing relationship that ends when obligations are paid on the specified date.
- Investment on the Dinar platform is available to those who meet the following conditions: Over 18 years of age. Possess a valid national ID or residency ID. Have a local bank account.
- Individual investors are allowed to invest up to 20,000 Saudi riyals in each program (per company), with a maximum total of 100,000 Saudi riyals annually.
- An independent legal entity established specifically to issue debt instruments such as Sukuk, with financial and legal personality separate from the financing applicant, and automatically terminates when the purpose for which it was established is fulfilled.
- The company has the right to repay the financing amount before the due date without imposing any additional fees or costs, with its commitment to pay only the profits due until the early repayment date.
- Yes, Dinar Investment platform is committed to applying Islamic Shariah provisions, and you can review the homepage to see the members of the Shariah Committee and the Shariah certificate.
- Saudi commercial registration for the company. Complete feasibility study for the project. Property deed for the land of the project to be financed. All necessary licenses for the project.
- You cannot withdraw the amount except in the case of incomplete opportunity coverage.
- Yes, you can invest in more than one deposit at the same time for one period or different periods.
- Cash Dinar product is considered one of the safest products, with low risk compared to other investment instruments.
- The client's net return after deducting fees can be viewed through the application.
- You can submit a qualification request through the application when one of these conditions is met: Net assets value not less than 5 million Saudi riyals. Obtaining the General Certificate for Dealing in Securities (CME-1) approved by the Authority, with an annual income not less than 600,000 Saudi riyals over the past two years. Obtaining a professional certificate specialized in securities business approved by an internationally recognized entity. Working for at least three years in the financial sector or in a professional position related to securities investment. Executing transactions in securities markets with a total value not less than 40 million Saudi riyals, and no less than 10 transactions per quarter over the past 12 months.
- In the real estate financing product, guarantees are specified including a promissory note on the company and owners, in addition to mortgaging the land of the project to be financed by no less than 120% of the financing value.
- Registration: Create an account and enter your data. Deposit funds: Transfer the amount from any local bank to your account on the platform. Choose opportunity: Browse Sukuk and choose what suits you. Subscription: Invest starting from 1,000 riyals. Receive profits: Periodic profits according to the issuance prospectus.
- Guarantees include a promissory note issued by the company and owners, and in some cases, real estate mortgages or waiver of receivables may be added, based on a decision from the credit committee.
- Maximum one working day.
- Profits are distributed – if any – according to what is mentioned in the terms and conditions or information memorandum of the fund, and may be periodic or at the end of the fund term, depending on the fund type and investment strategy.
- Investment on the Dinar platform is available to those who meet the following conditions: Over 18 years of age. Possess a valid national ID or residency ID. Have a local bank account.
- Investment periods are made available periodically, ensuring you get the best available returns and maximize the benefit from your money.
- It varies by fund: some funds start from 1,000 riyals, and private funds may start from 1,000,000 riyals.
- Fund performance can be tracked through periodic reports issued by the fund manager, such as monthly, quarterly, and annual reports, which include detailed information about fund performance, unit price, returns, in addition to updates on investment portfolio components.
- Yes, the fund is compliant with Islamic Shariah provisions, and this is done under the supervision of an independent Shariah board that reviews all fund activities and investments periodically to ensure full compliance with Shariah regulations.
- An investment fund is a financial pool where funds from a group of investors are collected, managed by a professional fund manager with the aim of investing these funds in a portfolio of assets such as stocks, bonds, real estate, or other financial instruments, according to the fund's strategy and objectives.
- Yes, the fund is licensed by the Capital Market Authority in the Kingdom of Saudi Arabia and operates under its supervision and regulation.
- Risks vary by fund type, but may include market volatility, asset value decline risks, liquidity risks, in addition to risks specific to the investment type such as direct financing, real estate, or stocks.