Qardus offers investors the ability to participate in shariah compliant investments by using a musharaka structure to provide funding to SMEs via a commodity murabaha arrangement. Under the Musharaka Agreement the investors are issued shares in an SPV that will be formed to provide the onward financing to the SME. The number of shares issued to each investor will depend upon the amount of capital contributed by that investor – all of the investors' shares will carry the same rights.
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