Our Investment Products
Each of our funds is carefully structured to ensure full Shariah compliance while maximizing returns for our investors.
Property Investments
South Africa's property market continues to present opportunities for growth, particularly in residential, student accommodation, and mixed-use developments. Yet many investors face barriers to direct entry, whether through high capital requirements, limited access to quality projects, or a lack of specialist management.
The Rihlat Muzdahira Property Fund offers investors a structured, Shariah-compliant way to participate in carefully selected property portfolios. Our approach combines asset-backed security, disciplined management, and a focus on developments that generate stable rental income and long-term capital growth.
By leveraging our deep industry experience, investor capital is directed into sustainable, income-generating projects, creating an attractive balance between risk management and growth potential.
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Commodity and Trade Finance
Access to working capital remains one of the biggest challenges facing South African SMEs, particularly those engaged in fulfilling purchase orders, tenders, and supply contracts for large corporates and government entities. Traditional banks often underserve this market, slowing delivery and stifling growth.
The Rihlat Muzdahira Commodity & Trade Finance Fund provides bridging and trade finance solutions to qualified SMEs, enabling them to deliver on contracts, grow operations, and build credibility with blue-chip clients.
For investors, this platform offers short-term, asset-backed opportunities with competitive returns and robust risk controls. Through careful selection, monitoring, and Shariah-compliant structures, the Fund ensures investor capital supports real economic activity while generating sustainable profit.
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Vehicle & Asset Finance
Only 20–25% of applications for vehicle and asset finance are approved by banks, leaving the majority of individuals and SMEs unable to access critical resources such as vehicles, renewable energy systems, or equipment. This creates a growing demand for alternative, inclusive financing models.
The Rihlat Muzdahira Asset & Vehicle Finance Fund addresses this gap through an innovative Shariah-compliant Rent-to-Own model, enabling access to vehicles and income-generating assets while delivering strong returns to investors.
With expected returns of 13–15%, monthly profit distributions, and a minimum investment of R25,000, the Fund offers exposure to a diversified portfolio including passenger and commercial vehicles, mining beneficiation equipment, renewable energy solutions, and fibre infrastructure.
This platform empowers SMEs and individuals with access to essential assets, while ensuring investors benefit from a transparent, responsible, and impact-driven strategy.
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Agri-Investment
South Africa's demand for quality beef continues to rise, yet many producers struggle to scale due to the high upfront capital requirements of feedlot operations. Traditional finance channels often do not cater to this sector, creating a gap between growing consumer demand and producer capacity.
The Rihlat Muzdahira AgriFund bridges this gap by financing and managing feedlot-produced beef cattle, giving investors exposure to a sector that is both essential and resilient. Through structured, Shariah-compliant investment models, the Fund channels capital into carefully managed feedlot operations that convert livestock into market-ready beef.
This model not only supports food security and job creation within rural communities but also provides investors with asset-backed, income-generating opportunities in one of South Africa's most important agricultural markets.
With disciplined risk management, veterinary oversight, and operational transparency, the AgriFund offers stable returns, diversification, and direct participation in a sector with consistent consumer demand and strong growth potential.
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