Frequently Asked Question

Frequently Asked Question

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  • This varies by fund type. In public funds, investors can usually withdraw at any time according to fund policies. In private funds, investment cannot be withdrawn except at the end of the fund term specified in the terms and conditions.
  • Risks vary by fund type, but may include market volatility, asset value decline risks, liquidity risks, in addition to risks specific to the investment type such as direct financing, real estate, or stocks.
  • There are no fees for transfers through the Dinar platform.
  • Dinar offers diverse funds including: equity funds, real estate funds, direct financing funds, private equity funds, each designed to meet different investment objectives.
  • No, investing in Sukuk does not grant ownership in the company, but rather a proportional share in a specific asset, and the relationship is considered a financing relationship that ends when obligations are paid on the specified date.
  • The land is evaluated through two accredited appraisers.
  • Breaking the deposit is not allowed, and the client is committed to the remaining period of the investment term.
  • The Cash Dinar product is approved by an independent Shariah committee.
  • The minimum investment is 1,000 Saudi riyals.
  • Expected returns vary from fund to fund according to its type and investment strategy. Please refer to the information memorandum for each fund to see details of target returns.
  • A program is a collection of issues. For example, a program worth 20 million riyals distributed across 4 issues, with each issue worth 5 million riyals.
  • Yes, you can increase your investment amount before the investment period starts. To do this, you need to start a new investment if the investment period is available.
  • The investment status is changed to accepted once the investment is accepted, and then units are issued.
  • The return varies according to the investment duration in Cash Dinar.
  • No, investing in Sukuk does not grant ownership in the company, but rather a proportional share in a specific asset, and the relationship is considered a financing relationship that ends when obligations are paid on the specified date.
  • Investment on the Dinar platform is available to those who meet the following conditions: Over 18 years of age. Possess a valid national ID or residency ID. Have a local bank account.
  • An independent legal entity established specifically to issue debt instruments such as Sukuk, with financial and legal personality separate from the financing applicant, and automatically terminates when the purpose for which it was established is fulfilled.
  • The company has the right to repay the financing amount before the due date without imposing any additional fees or costs, with its commitment to pay only the profits due until the early repayment date.
  • Saudi commercial registration for the company. Complete feasibility study for the project. Property deed for the land of the project to be financed. All necessary licenses for the project.
  • Cash Dinar product is considered one of the safest products, with low risk compared to other investment instruments.
  • You cannot withdraw the amount except in the case of incomplete opportunity coverage.
  • Yes, you can invest in more than one deposit at the same time for one period or different periods.
  • The client's net return after deducting fees can be viewed through the application.
  • Maximum one working day.
  • Investment on the Dinar platform is available to those who meet the following conditions: Over 18 years of age. Possess a valid national ID or residency ID. Have a local bank account.
  • It varies by fund: some funds start from 1,000 riyals, and private funds may start from 1,000,000 riyals.
  • Fund performance can be tracked through periodic reports issued by the fund manager, such as monthly, quarterly, and annual reports, which include detailed information about fund performance, unit price, returns, in addition to updates on investment portfolio components.
  • Yes, the fund is compliant with Islamic Shariah provisions, and this is done under the supervision of an independent Shariah board that reviews all fund activities and investments periodically to ensure full compliance with Shariah regulations.
  • An investment fund is a financial pool where funds from a group of investors are collected, managed by a professional fund manager with the aim of investing these funds in a portfolio of assets such as stocks, bonds, real estate, or other financial instruments, according to the fund's strategy and objectives.
  • Yes, the fund is licensed by the Capital Market Authority in the Kingdom of Saudi Arabia and operates under its supervision and regulation.
  • Dinar for Investment offers a range of financial products compliant with Islamic Shariah provisions, providing investors with diverse and secure opportunities that meet various financial needs, within a reliable and professional investment experience. Its products include: Murabaha Sukuk, Cash Dinar (deposits), equity funds, financing funds, private equity and real estate funds.
  • All categories of natural persons such as individuals or legal persons such as institutions, companies, investment funds, quasi-governmental entities, endowments, associations, family funds, and other non-profit organizations can benefit from Dinar platform registration services.
  • Individual investors (non-qualified clients) are allowed to invest up to SAR 25,000 in each program (per issuer), with a maximum total investment of SAR 100,000 over twelve months for all debt instrument issuances.
  • Create an account and enter your details, then transfer the amount you wish to invest from your bank account at any local bank to your account on the platform. Browse the available options and choose the one that suits you best. You can invest starting from SAR 1,000 with periodic returns as per the prospectus.
  • You can apply for eligibility through the application if you meet one of the following conditions: Your net assets must be at least SAR 5 million. You must hold a Certified Middle East Professional (CME-1) certificate from the Capital Market Authority (CMA), with a minimum annual income of SAR 600,000 for the past two years. You must hold a professional certificate specializing in securities business from an internationally recognized body. You must have at least three years of experience working in the financial sector in a professional role related to securities investment. You must have executed transactions in the securities markets with a total value of at least SAR 40 million, with a minimum of 10 transactions per quarter for the past 12 months.
  • In a real estate financing product, guarantees are specified that include a promissory note from the company and/or the owners, in addition to mortgaging the land of the project to be financed for no less than 120% of the financing value.
  • Guarantees may include a promissory note issued by the company and/or the owners, and in some cases, mortgages or assignments of receivables may be added, based on a decision by the credit committee.
  • Profits are distributed – if any – according to what is mentioned in the terms and conditions or information memorandum of the fund, and may be periodic or at the end of the fund term, depending on the fund type and investment strategy.
  • Investment periods are available periodically.
  • Yes, Dinar is committed to implementing Sharia principles and providing financing services that allow borrowers to benefit from financial technology and investors to diversify their investments in accordance with Sharia standards and rulings. You can visit the homepage to view the Sharia Supervisory Board members and the Sharia certification.
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تحذیر Risk Warning

The work of Dinar Investment Company's team is limited to executing financial and investment activities, including securities trading, investment and fund management, custody, and arrangement, all within the scope of the granted license. Regarding platform financing, Dinar's role is to receive financing applications, review submitted information and documents, verify the entity's registration data and relevant basic information, and then present these opportunities to investors in accordance with the Capital Market Authority's requirements and regulations concerning securities offerings and ongoing obligations. Dinar emphasizes that presenting investment opportunities does not, under any circumstances, constitute investment advice or a recommendation to invest. Some or all investments available through the platform may involve a high degree of risk, are not guaranteed or insured in any way, and may be subject to a range of risks, including the risk of default by the issuer (the financing applicant), which could expose the investor to total or partial losses. The investor bears full responsibility for selecting the various investment opportunities and making the investment decision. Dinar also clarifies that it does not offer any investment products or services outside the scope of its authorized activities, and it does not guarantee the investor or provide any warranties of any kind, whether on its own behalf or on behalf of its affiliates, employees, or directors, regarding the insuring of any potential financial losses. Dinar is not responsible for the accuracy, completeness, or adequacy of any financial or non-financial data, whether related to sponsors or issuers of debt instruments, any borrowers, or any investment products offered through the platform.

إفصاحات السوق المالية

Dinar Investment is a closed joint-stock company with Commercial Registration No. (1010742917) and Unified No. (7025808135), licensed by the Capital Market Authority under License No. (37-24281) dated February 14, 2024. Dinar's paid-up capital is SAR 51,445,640. In line with Dinar's commitment to implementing all disclosure standards issued by the Capital Market Authority and in accordance with the Authority's strategic objectives to improve disclosure standards among financial market institutions, enhance market transparency, and strengthen investor protection, and based on the Authority's circular dated October 29, 2015, which mandates the publication of information and reports required for disclosure under regulatory requirements on the licensed entity's website, Dinar presents all such disclosures below, ensuring easy access for website visitors to these disclosures and any updates thereto.