Beehive Sharia-
compliant financing
Beehive operates an Islamic Window and is regulated by the Dubai Financial
Services Authority under license number F004422.
What is Sharia-compliant investment
Sharia-Compliant investment opportunities at Beehive.
At Beehive, we collaborate with top Islamic legal and finance experts to ensure all investments are Sharia-compliant.
We carefully vet businesses to confirm their activities and fund usage align with Sharia principles.
Compliant requests are marked as 'Sharia Processing', allowing investors to bid, while non-compliant requests follow conventional financing.
Beehive's Sharia supervisory board
Beehive’s products are reviewed and approved by our Sharia Supervisory Board (SSB): a panel of three highly experienced scholars who ensure that everything we offer fully complies with Sharia principles.
Dr. Salah Fahad
Faculty member, Saudi Electronic University, Riyadh
Mufti Irshad
Shariah advisor and leader in the industry
Sh. Muhammad Ahmad
Sharia consultant
Investing options
Investors can confidently engage in digital SME finance, knowing their values are fully respected.
Invest today
Digital SME funding meets
Sharia-compliant financing
What does that mean for you?
Digital SME finance aims to build a community of investors and businesses where risks are shared, and capital is channeled into real economic activity that benefits the community.
Essentially, digital SME finance follows the basic Islamic principle of sharing risk for profit, as opposed to the traditional model used by banks, which involves transferring risk for profit.
Islamic finance adheres to the principles of Sharia (Islamic Law); money must be used productively, and generating returns must come from legitimate and ethical trade or investment, including an element of risk.
Business issues ''Promise to Purchase'' for commodities.
The Investors issue a purchase offer which the commodity supplier accepts and ownership of the commodities are transferred.
The investors issue a Murabaha which the business accepts, transferring ownership of commodities to the SME.
(Payment of cost price plus agreed profit is deferred and split into monthly installments).
Once the Business has acquired the commodities, they are able to instantly monetise the value of the commodities through Eiger Trading Platform
Commodity Murabaha
Beehive processes all “Sharia Processing” finance requeststhrough the Eiger Trading Platform using a Commodity Murabaha structure, where investors buy and sell commodities at a profit on deferred payment terms.
Annual Audit & Review
The Shariyah Review Bureau undertakes an annual audit of Beehiveʼs transactions and provides Beehive and the SSB with their findings in order for the SSB to issue the annual SSB report.
Client Monies Account and Merging
All Client Monies are held in Beehive P2P Limited’s segregated Client Monies account, which is held in the UAE with Emirates NBD. Beehive’s Sharia funds may be merged with conventional funds Beehive have issued in the past. From 28th January 2025 onwards – you will only be able to invest in Sharia funding opportunities. No interest is received on Beehiveʼs client monies account.
