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), enabling individuals, corporates, and institutions to invest surplus funds in halal investment avenues. Under the Mudarabah structure, investors act as Rabb-ul-Maal (capital providers), while Pak Oman acts as Mudarib (investment manager). Profits are shared according to the agreed profit-sharing ratio, and losses are borne in accordance with Shariah principles. Funds are deployed in Shariah-approved activities, ensuring an ethical investment solution under an established governance and regulatory framework.
Salient Features of COII
- 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 : Investors can redeem investment proceeds through available payment channels, including cheque, RTGS, or IBFT, subject to applicable procedures.
POICL-IFD manages customer deposits by establishing investment pools based on varying risk profiles and investment tenures. POICL-IFD allocates customer funds to these pools, and distributes profits among investors according to the applicable Weightages and Profit-Sharing Ratio (PSR) declared for each investment pool.
Download Account Opening Form
Contact Detail Of COII
Touseef Hayat
SVP – Head of Deposit Mobilization
Phone : (021) 111 176 425 Ext.1027
Email : touseef.hayat@pakoman.com
