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Islamic Finance
A full suite of Shariah-compliant services for banks, microfinance institutions, and operators serving Ethiopia's Muslim communities — governed by an independent Shariah advisory board.
Millions of Ethiopians will not use interest-based financial products as a matter of faith. Conventional digital lending — however accessible — leaves this population unserved.
In 2025 the National Bank of Ethiopia lifted the credit cap for Shariah-compliant lenders — a regulatory green light for interest-free finance to scale. Credoks provides the certified product layer to serve it digitally.
Cost-plus financing for goods and assets: the price and margin are agreed openly up front, with no interest at any stage.
Zero-interest safekeeping of customer funds — deposits held in trust, available on demand.
Peer and group guarantee structures that let communities stand behind each other's obligations.
Charitable giving built into the product experience — calculated, collected, and routed transparently.
Certified products offered with compliant financing, from a single storefront.
Product structures reviewed and approved by independent scholars before launch.
Recurring audits verify that live operations match the approved structures.
Rulings behind each product are documented and available to partners and their customers.
Talk to us about launching certified interest-free products on your licence.