Halah Loan Solution

Halah is a Shariah-compliant loan management system designed for Islamic banks and microfinance institutions. It enables quick disbursement of interest-free loans (Qard Hasan) or Murabaha-based financing, with transparent documentation and risk assessment.

User Journey:
A user logs into the Halah app and applies for a loan by filling in a guided form. The system assesses creditworthiness based on AI scoring or income verification. Once approved, the amount is disbursed into their wallet or bank account. Repayments are made in flexible installments, with reminders and digital receipts managed through the app.