How it is made: Interest-free instalments by Islamic rules…
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zk-financeInterest-free instalments by Islamic rules (murabaha)

Interest-free instalments under a murabaha contract: a fixed markup and a payment schedule known before signing.

ROLE

The whole product: idea, design, launch

FORMAT

Website, private control section

PLATFORMS

Web

ADDRESS

zkfinance.ru ->

THE PROBLEM

An Islamic finance product is easy to explain badly. The customer has to see the full amount and the dates before signing — otherwise "no interest" sounds like a catch rather than a contract term.

THE SOLUTION

The site is built around one idea: a fixed markup instead of interest, with the payment schedule known upfront. No "from" prices, no fine print — the numbers sit right next to the terms.

A contract, not a rate

Murabaha is a purchase and resale with a markup, not a loan at interest. The copy follows the contract so the product does not need re-explaining in the meeting.

Everything visible before signing

Amount, markup and dates are on the first screen, not in the fine print. The customer understands the terms in a minute.

A control section of its own

The public site and the management part are kept apart: the site runs on its own, everything internal is closed to outsiders and search engines.