Certificate of Investment (COII) based on Mudarabah
A Certificate of Islamic Investment (COII) is a Shariah-compliant investment product offered by Pak Oman Investment Company Limited through its Islamic Finance Department (IFD). It provides individuals, corporates, and institutions with an opportunity to invest their surplus funds through halal investment avenues while benefiting from Pak Oman’s strong governance, professional expertise, and regulatory framework.
COII is structured according to Islamic finance principles, where investors’ funds are deployed in Shariah-compliant activities approved by Pak Oman’s Shariah Advisor. The investment follows approved Islamic modes such as Mudarabah and other permissible Shariah contracts, ensuring that income is generated through valid trade, investment, and asset-backed activities rather than interest (Riba).
Under the Mudarabah structure, investors participate as Rabb-ul-Maal (capital providers), while Pak Oman acts as Mudarib (investment manager). Profits are shared according to the agreed profit-sharing ratio, while any loss is distributed according to Shariah principles.
COII provides investors with a transparent, ethical, and professionally managed halal investment solution designed for those seeking stability, convenience, and Shariah assurance.
Salient Features of COII
- Shariah-Compliant Investment Funds are invested only in permissible business activities and Shariah-approved avenues under the supervision of Pak Oman’s Shariah Advisor.
- Competitive Profit Potential Investors earn profit generated from Shariah-compliant investment activities, based on the agreed terms and profit-sharing arrangement.
- Flexible Investment Tenors Various investment tenure options are available to meet different financial planning and liquidity requirements.
- Flexible Profit Payment Options Investors may choose suitable profit payment arrangements, such as periodic profit payments or profit realization at maturity, as per product terms.
- Convenient Redemption Facility Investment proceeds can be redeemed through available payment channels including cheque, RTGS, or IBFT, subject to applicable procedures.
- Strong Governance & Regulatory Framework COII is supported by Pak Oman’s established governance framework, regulatory compliance standards, and Shariah oversight mechanism.
- Suitable for Multiple Investor Segments COII can cater to: Individuals, Corporate entities, institutions, trusts, and other eligible investors
POICL-IFD manages customer deposits by establishing investment pools based on varying risk profiles and investment tenures. Customer funds are allocated to these pools, and profits are distributed among investors according to the applicable Weightages and Profit-Sharing Ratio (PSR) declared for each investment pool.
Contact Detail Of COII
Touseef Hayat SVP – Head of Deposit Mobilization
(021) 111 176 425 Ext.1027
touseef.hayat@pakoman.com
Download Account Opening Form
