Skip to content
Moria

Investments

What it is

Section titled “What it is”

Investments let a member grow their wealth through Shariah-compliant products — sukuk and mutual-fund style offerings. The member funds an investment from their main balance, holds it, and receives the principal plus any profit-share back to the balance at maturity.

Shariah basis

Section titled “Shariah basis”

Mudarabah (profit-sharing) and Sukuk (Islamic securities). Returns come from real, compliant economic activity shared between the parties — not from interest. Losses, where they occur, follow the profit-sharing contract rather than a guaranteed rate.

Who it is for

Section titled “Who it is for”
  • Members who want their savings to grow within Islamic principles.
  • Organizations investing on their own account (an organization can be the investor).

Key capabilities

Section titled “Key capabilities”
  • Browse products — see available investment offerings and their terms.
  • Invest from balance — commit an amount from the main balance.
  • Hold to maturity — the amount is held for the product’s term.
  • Profit-share — returns are distributed per the agreed contract.
  • Withdraw at maturity — principal and share return to the main balance.

Lifecycle

Section titled “Lifecycle”
stateDiagram-v2
    direction LR
    [*] --> Available: product listed
    Available --> Invested: member funds it
    Invested --> Matured: term ends
    Matured --> Withdrawn: returned to main balance
    Invested --> Cancelled: before lock, if allowed
    Withdrawn --> [*]
    Cancelled --> [*]

How the money moves

Section titled “How the money moves”
flowchart LR
    MEMBER([Investor])
    MAIN[("Main balance")]
    HOLD[("Investment holding")]

    MEMBER -.->|chooses product| HOLD
    MAIN -->|"invest"| HOLD
    HOLD -->|"principal + profit-share<br/>at maturity"| MAIN

    classDef money fill:#FDF8E8,stroke:#3C2C96,stroke-width:2px,color:#1E1B4B;
    classDef actor fill:#FFFFFF,stroke:#3C2C96,stroke-width:1.5px,color:#1E1B4B;
    class MAIN,HOLD money;
    class MEMBER actor;

What you can configure

Section titled “What you can configure”
  • Product catalog — which investment products you list and their terms.
  • Investor types — individuals, organizations, or both.
  • Approval & eligibility — rules for who can invest in what.
  • Branding & language — under your brand, in ID / EN / AR.

Limits

Section titled “Limits”
  • Funds come from the main balance; the product does not draw from external accounts.
  • Held funds are locked for the product term unless early exit is explicitly allowed.
  • Returns follow a profit-share, not a guaranteed interest rate.
Section titled “Related”