Terms and Conditions
Welcome to La Riba Finance!
These terms and conditions outline the rules and regulations for the use of La Riba Finance Pty Ltd's Website, located at https://www.laribafinance.com.
By accessing this website, we assume you accept these terms and conditions. Do not continue to use La Riba Finance if you do not agree to take all of the terms and conditions stated on this page.
Cookies:
The website uses cookies to help personalize your online experience. By accessing La Riba Finance, you agreed to use the required cookies.
A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you and can only be read by a web server in the domain that issued the cookie to you.
We may use cookies to collect, store, and track information for statistical or marketing purposes to operate our website. You have the ability to accept or decline optional Cookies. There are some required Cookies that are necessary for the operation of our website. These cookies do not require your consent as they always work. Please keep in mind that by accepting required Cookies, you also accept third-party Cookies, which might be used via third-party provided services if you use such services on our website, for example, a video display window provided by third parties and integrated into our website.
License:
Unless otherwise stated, La Riba Finance Pty Ltd and/or its licensors own the intellectual property rights for all material on La Riba Finance. All intellectual property rights are reserved. You may access this from La Riba Finance for your own personal use subjected to restrictions set in these terms and conditions.
You must not:
Copy or republish material from La Riba Finance
Sell, rent, or sub-license material from La Riba Finance
Reproduce, duplicate or copy material from La Riba Finance
Redistribute content from La Riba Finance
This Agreement shall begin on the date hereof.
Parts of this website offer users an opportunity to post and exchange opinions and information in certain areas of the website. La Riba Finance Pty Ltd does not filter, edit, publish or review Comments before their presence on the website. Comments do not reflect the views and opinions of La Riba Finance Pty Ltd, its agents, and/or affiliates. Comments reflect the views and opinions of the person who posts their views and opinions. To the extent permitted by applicable laws, La Riba Finance Pty Ltd shall not be liable for the Comments or any liability, damages, or expenses caused and/or suffered as a result of any use of and/or posting of and/or appearance of the Comments on this website.
La Riba Finance Pty Ltd reserves the right to monitor all Comments and remove any Comments that can be considered inappropriate, offensive, or causes breach of these Terms and Conditions.
You warrant and represent that:
You are entitled to post the Comments on our website and have all necessary licenses and consents to do so;
The Comments do not invade any intellectual property right, including without limitation copyright, patent, or trademark of any third party;
The Comments do not contain any defamatory, libelous, offensive, indecent, or otherwise unlawful material, which is an invasion of privacy.
The Comments will not be used to solicit or promote business or custom or present commercial activities or unlawful activity.
You hereby grant La Riba Finance Pty Ltd a non-exclusive license to use, reproduce, edit and authorize others to use, reproduce and edit any of your Comments in any and all forms, formats, or media.
Hyperlinking to our Content:
The following organizations may link to our Website without prior written approval:
Government agencies;
Search engines;
News organizations;
Online directory distributors may link to our Website in the same manner as they hyperlink to the Websites of other listed businesses; and
System-wide Accredited Businesses except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups which may not hyperlink to our Web site.
These organizations may link to our home page, to publications, or to other Website information so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement, or approval of the linking party and its products and/or services; and (c) fits within the context of the linking party's site.
We may consider and approve other link requests from the following types of organizations:
Commonly-known consumer and/or business information sources;
Dot.com community sites;
Associations or other groups representing charities;
Online directory distributors;
Internet portals;
Accounting, law, and consulting firms; and
Educational institutions and trade associations.
We will approve link requests from these organizations if we decide that: (a) the link would not make us look unfavorably to ourselves or to our accredited businesses; (b) the organization does not have any negative records with us; (c) the benefit to us from the visibility of the hyperlink compensates the absence of La Riba Finance Pty Ltd; and (d) the link is in the context of general resource information.
These organizations may link to our home page so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement, or approval of the linking party and its products or services; and (c) fits within the context of the linking party's site.
If you are one of the organizations listed in paragraph 2 above and are interested in linking to our website, you must inform us by sending an e-mail to La Riba Finance Pty Ltd. Please include your name, your organization name, contact information as well as the URL of your site, a list of any URLs from which you intend to link to our Website, and a list of the URLs on our site to which you would like to link. Wait 2-3 weeks for a response.
Approved organizations may hyperlink to our Website as follows:
By use of our corporate name; or
By use of the uniform resource locator being linked to; or
Using any other description of our Website being linked to that makes sense within the context and format of content on the linking party's site.
No use of La Riba Finance Pty Ltd's logo or other artwork will be allowed for linking absent a trademark license agreement.
Content Liability:
We shall not be held responsible for any content that appears on your Website. You agree to protect and defend us against all claims that are raised on your Website. No link(s) should appear on any Website that may be interpreted as libelous, obscene, or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third party rights.
Reservation of Rights:
We reserve the right to request that you remove all links or any particular link to our Website. You approve to immediately remove all links to our Website upon request. We also reserve the right to amend these terms and conditions and its linking policy at any time. By continuously linking to our Website, you agree to be bound to and follow these linking terms and conditions.
Removal of links from our website:
If you find any link on our Website that is offensive for any reason, you are free to contact and inform us at any moment. We will consider requests to remove links, but we are not obligated to or so or to respond to you directly.
We do not ensure that the information on this website is correct. We do not warrant its completeness or accuracy, nor do we promise to ensure that the website remains available or that the material on the website is kept up to date.
Disclaimer:
To the maximum extent permitted by applicable law, we exclude all representations, warranties, and conditions relating to our website and the use of this website. Nothing in this disclaimer will:
Limit or exclude our or your liability for death or personal injury;
Limit or exclude our or your liability for fraud or fraudulent misrepresentation;
Limit any of our or your liabilities in any way that is not permitted under applicable law; or
Exclude any of our or your liabilities that may not be excluded under applicable law.
The limitations and prohibitions of liability set in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer, including liabilities arising in contract, in tort, and for breach of statutory duty.
As long as the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.
Protect your family and fulfill your religious obligations with our Islamic wills and estate planning services. We guide you through creating a will that complies with Shariah principles, ensuring the fair and proper distribution of your assets.
Drafting wills in accordance with Islamic inheritance laws.
Guidance on distributing assets among heirs as per Shariah.
Comprehensive estate planning to secure your family’s future.
Ensuring compliance with South African laws where applicable.
Why It’s Important:
Writing a will is not just a legal obligation but a religious duty in Islam. By planning your estate, you ensure your wealth is distributed ethically and in harmony with Islamic values.
Get expert guidance on managing your finances ethically and responsibly. Our team provides advice tailored to your personal or business goals, ensuring compliance with Shariah principles.
Personal financial planning.
Business financial strategy consultation.
Guidance on managing debt and assets.
Empower yourself with knowledge through our financial literacy programs. We offer workshops for individuals, families, and businesses to improve understanding of Islamic finance and ethical money management.
Who It’s For
Individuals seeking to manage personal finances more efficiently.
Business owners looking to understand Shariah-compliant financing.
Students and professionals interested in Islamic finance principles.
Will and estate planning
Financial Planning And Advisory
Financial Literacy Workshops
Asset Management Consultation
Maximize the potential of your investments and assets through ethical and Shariah-compliant strategies. Whether it’s real estate, equipment, or vehicles, we help you plan and manage your assets effectively.
Ensure your investments align with ethical and Shariah principles while maximizing returns.
Effectively manage a range of assets, from real estate to vehicles, for enhanced financial security.
Receive tailored asset management strategies that meet your unique financial goals and needs.
Learn how to invest ethically and in compliance with Shariah principles. While we do not directly offer investment products, we provide education and connect you with halal investment opportunities.
Learn the principles and practices of ethical and Shariah-compliant investing to make informed financial decisions
Access a curated network of trusted, Shariah-compliant investment opportunities through expert recommendations.
Receive valuable educational resources and expert advice without the direct sale of investment products, ensuring unbiased support.
Fulfill your religious obligations with ease. We provide advice on how to calculate and distribute your Zakat properly and ethically.
Assistance in determining your Zakat liability.
Guidance on distributing Zakat to eligible recipients.
Support for Sadaqah and other charitable contributions.
Charity and Zakat Advisory
Halal Investment Guidance
Ethical, Shariah-compliant solutions tailored to your needs.
Transparent processes with no hidden fees or interest charges.
A trusted partner committed to empowering individuals and businesses.
Oversight by experienced Islamic scholars to ensure compliance with Islamic principles.
We believe in giving back to the communities we serve. Through our Corporate Social Responsibility (CSR) initiatives, we aim to:
Promote financial literacy.
Support small businesses and entrepreneurs.
Contribute to charitable causes that align with Islamic principles.
Why Choose La Riba Finance
Our Commitment to the Community
Join us in ethical financing
Refer businesses and earn rewards with La Riba Finance. Partner for a better future.
Shariah-Compliant Financing Made Easy
Get up to R3 million with approval in 24 hours.
After clicking the Apply Now button below, you will be redirected to our online application portal. Once there, select “ Register as an Online Applicant "
Step 1: Application Submission
The process begins with you submitting an application tailored to your needs.
Choose the type of financing you require: personal, business, or asset-backed.
Provide details about your intended use for the funds or asset.
Submit necessary documentation (e.g., identification, income proof, or business details).
Step 2: Shariah Compliance Screening
Once your application is received, it is reviewed by our expert Shariah Advisory Team to ensure compliance with Islamic finance principles.
No Interest (Riba): All transactions are structured to avoid interest.
Ethical Purpose: Financing must be for permissible (halal) purposes.
Transparency: Terms, conditions, and fees are clear and fair.
Our scholars oversee the process to ensure every agreement aligns with Islamic law.
Step 3: Structuring Your Financing
Content:
We structure each transaction using appropriate Shariah-compliant contracts based on your specific financing needs. Below are the models we use:
1. Murabaha (Cost-Plus Financing)
Suitable for asset-backed financing (e.g., vehicles, equipment).
How It Works:
La Riba Finance purchases the item (e.g., car, machinery) on your behalf.
We sell the item to you at an agreed markup.
You repay the amount in fixed installments, free of interest.
2. Musharakah (Partnership)
Ideal for business financing or joint ventures.
How It Works:
We partner with you by investing funds in your business.
Profits are shared based on an agreed ratio.
Losses are shared based on the proportion of invested capital.
3. Mudarabah (Profit-Sharing)
Used for business financing where you provide expertise, and we provide capital.
How It Works:
You act as the entrepreneur, and we act as the financier.
Profits are shared as per the agreed ratio.
Losses are borne solely by us unless caused by negligence or breach of agreement.
4. Ijarah (Islamic Leasing)
Suitable for asset-backed financing (e.g., vehicles, property).
How It Works:
We purchase the asset and lease it to you for a fixed period.
You pay agreed-upon rental amounts.
Ownership can be transferred to you at the end of the lease period, if agreed.
5. Tawarruq (Commodity-Based Financing)
Used for personal loans to provide cash ethically.
How It Works:
La Riba Finance buys a commodity on your behalf and sells it to you at a higher deferred price.
You sell the commodity to a third party for immediate cash.
This structure allows you to access funds without interest, complying with Shariah principles.
Step 4: Agreement Signing
Once the structure is finalized, we provide a clear and transparent agreement:
The agreement outlines the financing terms, repayment plan, and all conditions.
We ensure you understand every aspect before proceeding.
Step 5: Disbursement or Asset Delivery
After the agreement is signed:
For Asset Financing: The asset is delivered to you, ready for use.
For Personal Loans: Funds are made available through the Tawarruq process.
For Business Financing: Capital is invested or disbursed as per the Musharakah or Mudarabah agreement.
Step 6: Ethical Repayment
Repayments are structured to be affordable, fair, and ethical:
Fixed installment plans for Murabaha and Ijarah agreements.
Profit-sharing mechanisms for Musharakah and Mudarabah agreements.
Transparent terms with no hidden fees or interest charges.
Our Shariah Compliance Commitment
Ensuring Compliance with Islamic Principles
At La Riba Finance, we work closely with our Shariah Advisory Board to ensure every transaction meets the following principles:
Prohibition of riba (interest).
No gharar (excessive uncertainty) or unethical practices.
Adherence to Islamic contracts, fostering fairness and trust.
Every product and process is audited and reviewed regularly to maintain the highest standards of compliance.
Why Choose La Riba Finance?
100% Shariah-compliant financing tailored to your needs.
Transparent processes with no hidden charges.
Expert oversight by our Shariah Advisory Board.
Ethical financing that supports your goals without compromising your faith.
Follow these steps
La Riba Finance
La Riba Finance
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Finance Application Form
Why Choose Us?
Experience peace of mind with our regulated services, ensuring transparency, accountability, and compliance with the highest ethical standards for your trust and security.
Want to earn with La Riba Finance?
La Riba Finance offers a unique opportunity to earn while promoting ethical financial growth. With competitive returns, transparency, and a commitment to sustainable wealth-building, it provides innovative solutions that balance profitability with responsibility.
Join La Riba Finance to unlock your earning potential and contribute to a more equitable financial future.
Become a Partner
Empower ethical financing and foster community growth. Join hands with us and invest in Shariah-compliant solutions
Why Choose us?
Transparent processes with no hidden fees or interest charges
Our commitment to transparency means that you will never encounter hidden fees or interest charges. All terms are clear and upfront.
A trusted partner committed to empowering individuals and businesses
At La Riba Finance, we believe in empowering our clients by providing them with the financial tools and knowledge to succeed.
Ethical, Shariah-compliant solutions tailored to your needs
We provide financial products and services that align with Islamic finance principles, ensuring ethical solutions for every individual and businessTransparent processes with no hidden fees or interest charges.
Oversight by experienced Islamic scholars to ensure compliance with Islamic principles
Our offerings are continuously monitored and reviewed by qualified Islamic scholars to ensure that we remain in full compliance with Shariah law.
Choosing La Riba Finance means opting for reliable, tailored financial solutions with transparent communication and competitive rates. Our expert team empowers you to achieve your goals through flexible terms and a customer-first approach, making your financial journey stress-free
Why Choose us?
Transparent processes with no hidden fees or interest charges
Our commitment to transparency means that you will never encounter hidden fees or interest charges. All terms are clear and upfront.
A trusted partner committed to empowering individuals and businesses
At La Riba Finance, we believe in empowering our clients by providing them with the financial tools and knowledge to succeed.
Ethical, Shariah-compliant solutions tailored to your needs
We provide financial products and services that align with Islamic finance principles, ensuring ethical solutions for every individual and businessTransparent processes with no hidden fees or interest charges.
Oversight by experienced Islamic scholars to ensure compliance with Islamic principles
Our offerings are continuously monitored and reviewed by qualified Islamic scholars to ensure that we remain in full compliance with Shariah law.
Choosing La Riba Finance means opting for reliable, tailored financial solutions with transparent communication and competitive rates. Our expert team empowers you to achieve your goals through flexible terms and a customer-first approach, making your financial journey stress-free
Serving our community
We are dedicated to serving our community by offering Shariah-compliant financial solutions that promote economic growth and uphold ethical standards. Our commitment to integrity, transparency, and social responsibility ensures that our services not only meet the financial needs of our clients but also contribute positively to the well-being of the communities we serve.
Our commitment to the community
We believe in giving back to the communities we serve. Through our Corporate Social Responsibility (CSR) initiatives, we aim to:
Promote financial literacy.
Support small businesses and entrepreneurs.
Contribute to charitable causes that align with Islamic principles.
Our Shariah advisory board
La Riba Finance operates under the guidance of a dedicated Shariah Advisory Board comprising respected Islamic scholars. This board plays a critical role in ensuring that all our financial products and processes align with Islamic finance principles. The board’s responsibilities include:
Reviewing and approving all financial products.
Monitoring ongoing compliance with Shariah standards.
Advising on the ethical and religious implications of new financial innovations.