Alternative Capital and Finance Powered by Information Technology That Is Ethical and Shariah-Focused. We believe in “make profit, not interest”. eTijar is all about growing communities and businesses. We help small businesses grow by connecting those looking for working capital financing with investors looking to generate returns on their capital in an ethical and Shariah-compliant way.

We invest using a two-tier Mudarabah, investors pool their funds with us, and we subsequently deal with entrepreneurs. Mostly based on Mudarabah al-muqayadah (Restricted) and Musharakah or the combination of both.