Mudaraba | مضاربة vs Qirsh

Mudaraba is a crowdfunding platform that provides Sukuk (debt instruments) issuance. We enable SMEs to get financed through the debt capital market by adopting Mudaraba framework that is compliant with Shari'a (Islamic laws). Mudaraba Financial Company is a leading crowdfunding platform that uses profit sharing arrangements to close the gap between SMEs that are looking for financing and Investors by issuing Sukuk as a debt instrument. Mudaraba Sukuk are issued based on Mudaraba agreement between the Sukuk owners & beneficiary, issuance proceeds are used to finance a specific project managed by beneficiary & monitored by Mudaraba Financial Company. The Sukuk represents a mass-ownership in the project’s asset, and the achieved profit is distributed according to the participation specified in the agreement while its nominal value is returned from the project at the end of its term. Mudaraba uses state of the art credit assessment and rating tool by Mode Finance who is leading SME rating for bond issuance in Europe.

Splitting a group trip's costs shouldn't take a spreadsheet. Qirsh handles the messy parts of shared travel expenses — multiple currencies, airline miles, loyalty points, and tax — so your group always knows who owes what. HOW IT WORKS Speak a purchase or photograph a receipt, and Qirsh turns it into an editable expense in seconds — review it, adjust the split, and confirm. Every expense can be divided evenly or unevenly across all or just a few travelers. KEY FEATURES • Multi-currency cash tracking, plus separate ledgers for miles, points, and tax — never mixed together • Voice or photo capture turns a purchase into a draft expense on the spot, powered by on-device AI that never leaves your phone • Ask, a natural-language Q&A tool: "How much did we spend on food in Cairo?" gets an exact answer, sourced only from your trip's real numbers • Automatic settle-up math shows the minimum number of transfers needed to square accounts, per currency • Shared trips let your whole group see and edit the same trip together • Live exchange rates convert any currency to your home currency for reference • A trip timeline map plots your expenses geographically and chronologically • Home screen widgets show your active trip's balance and spend at a glance • Export any trip to CSV for your own records WHO IT'S FOR Friends splitting a vacation, families tracking a reunion trip, or any group juggling a shared travel budget across currencies and reward programs. Qirsh Pro unlocks the larger on-device AI model for sharper answers and CSV/text export — available as a subscription or a one-time purchase. Subscriptions auto-renew; manage or cancel anytime in your App Store account settings. Terms of Use: https://local-ai-app.github.io/qirsh-legal/terms.html Qirsh is available in English, Arabic, and Spanish. Questions or feedback? Reach us anytime — see the Support link on this page.