Equity crowdfunding is the process whereby individuals or the "crowd" invest in an unlisted company (a company that is not listed on a stock market) in exchange for shares in that company. 
Equity crowdfunding is a great way to match companies who need funding with individuals who wish to invest. Investors become shareholders and have partial ownership of a company. Individuals get a share in the future success of a company they believe in. Don't invest unless you're prepared to lose all the money you invest. If the business you invest in fails, you are likely to lose 100% of the money you invested. <br>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.&nbsp;<span>&nbsp;Under the Musharaka Agreement&nbsp;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.&nbsp;</span>