Murabaha financing is a Shariah-compliant service in which the bank purchases permitted goods either directly or on behalf of the customer. The bank then sells these goods to the customer at a disclosed cost plus an agreed profit margin. This selling price includes the original purchase cost, any associated expenses, and the bank’s profit, and is typically paid on a deferred (installment) basis. Depending on the nature of the transaction, the bank may require collateral or guarantees.