Explore financing shaped around real businesses, practical needs and Islamic principles.
Talk with our team about your needs, current availability and the terms that apply.
The customer submits a financing request, explains the purpose of financing and provides the required identification, business information and supporting documents.
What happens: The request is registered and the initial documents are collected for review.
01The Financing and Administration Department (FAD) performs an initial review of the file, checks completeness and coordinates follow-up where information or documents are missing.
What happens: The application is organized for the next review stage, subject to LAMEN’s internal procedures.
02The relevant team reviews the file against applicable compliance requirements and internal policies, considering customer due diligence and risk-related questions where required.
What happens: Issues requiring clarification are identified before the file proceeds.
03The committee reviews the application and supporting assessment, then makes or recommends a decision in line with its delegated authority and LAMEN’s procedures.
What happens: The decision and any conditions are documented before disbursement preparation.
04After approval conditions are met and required agreements are completed, the financing is released according to the approved structure and documented transaction.
What happens: Disbursement is recorded and the repayment schedule is communicated to the customer.
05The customer makes payments according to the agreed schedule. Each payment is recorded so that the paid amount, outstanding balance and upcoming due dates can be tracked.
What happens: The account is monitored through the repayment period until all required obligations are settled.
06Once the final payment and any remaining obligations have been verified, the account is settled and the financing file is closed according to LAMEN’s procedures.
What happens: The completed financing is documented as settled, subject to final reconciliation and internal checks.
07One purposeful journey. Each stage builds on the one before it — from the first application to a fully settled financing journey.
Illustrative overview only. Actual review requirements, approval authorities and repayment arrangements follow LAMEN’s approved policies and the relevant financing agreement.
Financing for real needs across businesses, households and communities.
Shops, enterprise and everyday ambition
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Farming, livestock and rural production
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Workshops, materials and technical services
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Tools for a more connected future
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Education, health and essential needs
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Women, young entrepreneurs and families
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Water, renovation and everyday essentials
Explore areaShops, enterprise and everyday ambition
Handicrafts and home-based businesses; bakeries and bread-making businesses; butcher shops and poultry meat supply centers; small and medium enterprises; local shops and retail stores; food production and packaging.
Talk with our team about your needs, current availability and the terms that apply.
Farming, livestock and rural production
Horticulture and agricultural products; agriculture and livestock farming; beekeeping and honey production; fisheries and fish farming.
Talk with our team about your needs, current availability and the terms that apply.
Workshops, materials and technical services
Construction materials and work tools; commercial motorcycles; tailoring and garment production; shoemaking and leather products; small manufacturing workshops; repair services for mobiles and vehicles; solar energy systems; vehicle purchase.
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Tools for a more connected future
Computers, laptops and office equipment; men’s barbering and grooming services; smartphones.
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Education, health and essential needs
Education, training and skills development; wedding and essential ceremonial expenses; healthcare and medical services; emergency family financing.
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Women, young entrepreneurs and families
Support for women entrepreneurs; support for young entrepreneurs; family livelihood improvement.
Talk with our team about your needs, current availability and the terms that apply.
Water, renovation and everyday essentials
Construction of toilets and improvement of sanitation facilities; water pumps, transportation and vehicles; cooling and heating equipment; home and shop renovation; drinking water systems; water storage tanks.
Talk with our team about your needs, current availability and the terms that apply.
Every next step starts somewhere.
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