Business Restructuring
Turnaround support for financially distressed or "sick" projects — repayment restructuring, capital realignment and a workable path back to viability.
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Shariah-Compliant Microfinance
Ethical Financing,
Built on Trust and Transparency
Empowering individuals and small businesses across Pakistan with interest-free, Shariah-compliant financial solutions — Ijarah, Murabahah, Musharakah, and more.
100% Shariah-Compliant
SECP Regulated
Client-First Approach
Empowering Your Financial Future Through Islamic Finance
Shariah-compliant microfinance solutions designed to help individuals and businesses achieve their financial goals with integrity and trust
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Years Experience
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Board Members
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Financing Products
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Shariah Compliant
Who FIMCL Are
First Islamic Microfinance Company Limited
First Islamic Microfinance Company Limited (FIMCL) provides Shariah-compliant financial solutions to help individuals and businesses achieve their goals through a comprehensive, client-focused approach to Islamic wealth management.
"We believe in delivering the quality microfinance services to our valuable users so they upgrade their lives and contribute to the economic structure of Pakistan. We honor our people attached with our prestigious organization with ultimate client satisfaction."
– CEO FIMCL Mr. G. M Shahid
Financing solutions, built around you
From corporate restructuring to household and agricultural finance — practical facilities and advisory backed by clear terms and dependable service.
Vendor Finance
Working capital extended to vendors and suppliers, secured against a principal's guarantee — keeping supply chains funded without tying up your own balance sheet.
See MoreAdvance Against Salary
Short-term salary advances processed on an employer's request, giving employees fast access to earned income for genuine, time-sensitive needs.
See MoreAgri-Based Finance
Seasonal and term financing for growers and agribusinesses — input costs, land development and equipment, structured around the crop cycle.
See MoreAdvisory Services
Independent guidance on financing structure, capital raising and restructuring options — built on a clear view of your numbers, not a sales pitch.
See MoreAuto & Household Loan
Financing for a vehicle purchase or household needs — from furnishings to essential repairs — with straightforward eligibility and fixed instalments.
See MoreEquipment & Solar Finance
Term financing to acquire machinery, production equipment or a solar installation — sized to the asset's useful life and your cash flow.
See MoreSME Business Finance
Shariah-compliant financing designed to support small and medium enterprises with working capital, business expansion, inventory purchases, and sustainable growth.
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Shariah Compliant Solutions
Smart Solutions for Strategic Islamic Finance Growth
Explore our ethical financial products designed for sustainable growth, business expansion, and financial empowerment.
Product Details
Islamic microfinance based upon Islamic mode of financing through its products including ijarah, murabahah, musharakah, salam, modarabah.
Modes Included
- Ijarah & Murabahah
- Musharakah & Modarabah
- Salam Financing
Product Details
The MFI and the client jointly purchase an asset. The client gradually buys out the MFI's share through periodic payments until full ownership is transferred.
Microfinance Usage
Ideal for housing, transport vehicles, or heavy commercial equipment purchases.
Product Details
The institution purchases a specific asset (raw materials, livestock, or machinery) on behalf of the client and resells it on deferred payment with a profit markup.
Microfinance Usage
Best suited for working capital, agricultural inputs, stock, and inventory purchases.
Product Details
Mudarabah combines capital and expertise. Musharakah involves shared capital where profits are distributed per agreed ratios, fostering joint enterprise success.
Microfinance Usage
Used for business expansion, joint ventures, trade financing, and agricultural harvests.
Product Details
The institution purchases an asset and leases it to micro-entrepreneurs for a specific rental term, transferring full ownership upon lease completion.
Microfinance Usage
Acquiring income-generating assets such as sewing machines, vehicles, solar kits, or tools.
Product Details
Offers profit-sharing savings accounts (Mudaraba/Wadiah) combined with Micro-Takaful to protect low-income households against financial vulnerabilities.
Protects Against
Crop loss, livestock emergencies, health crises, or unexpected family hardship.
Delivering Long-Term Value Through
Islamic Finance Product
First Islamic Microfinance Company Limited (FIMCL) provides Shariah-compliant financial solutions to help individuals and businesses achieve their goals through a comprehensive, client-focused approach to Islamic wealth management.
FIMCL — Financing Overview
Updated July 2026
Total Portfolio Value
PKR 46.5L
+15%
Active Financing
MR
Murabahah
Trade Finance
12.4L +12%
IJ
Ijarah
Asset Leasing
8.2L +8%
MS
Musharakah
Partnership
5.8L -3%
MD
Modarabah
Profit Sharing
4.1L +10%
Portfolio Split
46.5L
- Murabahah 43%
- Ijarah 30%
- Musharakah 20%
- Modarabah 7%
128
Active Clients
100%
Shariah Compliant
+15%
Portfolio Growth
5+
Years Experience
Client Trust & Satisfaction
96%
Strategic Islamic Finance Product
We design Shariah-compliant investment strategies tailored to each client's unique goals, ensuring every decision aligns with both financial objectives and Islamic principles.
Transparent Process
We believe in complete transparency with our clients from documentation to financing structure, every step is clear, fair, and free of hidden terms.
Risk Management
Our disciplined approach to risk management protects client assets through careful research, diversification, and continuous portfolio monitoring.
Long-Term Growth
We prioritize sustainable, long-term financial growth over short-term gains, helping clients build lasting value through ethical Islamic Finance Product practices.
OUR APPROACH TO
WEALTH MANAGEMENT
First Islamic Microfinance Company Limited (FIMCL) provides Shariah-compliant financial solutions to help individuals and businesses achieve their goals through a comprehensive, client-focused approach to Islamic wealth management.
FIMCL Wealth Management tabbed section
01
Personalized strategies
We develop fully customized financial plans tailored to your unique goals, risk tolerance, and life stage. Every client receives a dedicated strategy built around their individual financial situation, ensuring that your plan evolves as your needs and circumstances change over time — because no two clients are the same.
What this means for you
A financial plan that fits your life — not a generic template.
100%
Client-focused planning
02
Disciplined investing
Our investment approach is rooted in diversification, long-term growth, and rigorous risk management. We follow a structured, research-driven process to help you achieve your financial objectives while staying fully aligned with Shariah principles. By maintaining discipline through market ups and downs, we ensure your portfolio remains on track toward your long-term goals.
What this means for you
Steady, research-backed growth aligned with your values.
Long-term
Growth over short-term gains
03
Proactive guidance
Our team of experienced experts provides ongoing support and advice to help you navigate market changes and make confident, informed financial decisions at every stage of your journey. We don't wait for problems to arise — we anticipate challenges, monitor your portfolio continuously, and keep you informed so you are always one step ahead.
What this means for you
Expert support at every step — before you even ask for it.
Always on
Continuous portfolio monitoring
We develop fully customized financial plans tailored to your unique goals, risk tolerance, and life stage. Every client receives a dedicated strategy built around their individual financial situation, ensuring that your plan evolves as your needs and circumstances change over time — because no two clients are the same.
Our investment approach is rooted in diversification, long-term growth, and rigorous risk management. We follow a structured, research-driven process to help you achieve your financial objectives while staying fully aligned with Shariah principles. By maintaining discipline through market ups and downs, we ensure your portfolio remains on track toward your long-term goals.
Our team of experienced experts provides ongoing support and advice to help you navigate market changes and make confident, informed financial decisions at every stage of your journey. We don't wait for problems to arise — we anticipate challenges, monitor your portfolio continuously, and keep you informed so you are always one step ahead.
Policy
Our Islamic Finance Product Policy Guide
Diversification
We build well-diversified portfolios to mitigate risk and capture opportunity across asset classes and sectors, so no single market movement threatens your overall position.
Long-Term Focus
Our approach is centred on sustainable growth over short-term fluctuation. We stay committed through every market cycle, keeping your long-term goals firmly in sight.
Disciplined Approach
We follow a disciplined process rooted in research, risk management and continuous monitoring — every decision backed by data, never by market noise or speculation.
Personalized Strategies
Every portfolio is tailored to your unique goals, risk tolerance and time horizon. We take the time to understand your circumstances and build a strategy that grows with you.