Murabaha Business

Financing for individual entrepreneurs for business development


  • individual entrepreneurs (residents of the Republic of Tajikistan)
  • maximum term: 36 months
  • no more than 3,000,000 TJS (equivalent in US dollars)
  • margin / markup in TJS:
    • annuity 21%
    • fixed 11.9%
  • margin / markup in USD:
    • annuity 11.4%
    • fixed 6%
  • downpayment at least 30%

Required Documents

  • passport and TIN (if not indicated in the passport)
  • document confirming the client's source of income: business activity certificate with receipts of paid taxes for the last 6 months

The loan can be paid

  • at the cash desks of Tawhid Bank
  • in the Tawhid Pay mobile application
  • in the terminals of Tawhidbank partners JSC “Bank Eskhata”, MDO “Dushanbe City” LLC, MDO "Tamvil"
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