This Shari'ah-compliant Income Fund is designed to deliver consistent, stable returns while mitigating undue risk. Rather than acquiring equity stakes, the Fund provides financing solutions that replicate the economic effect of debt, in full alignment with Islamic principles.
Investors and partners benefit from our robust infrastructure, sound regulatory governance, and deep expertise in Shari'ah-compliant financial structuring.
Management Fee: 1.75% p.a. | Optional Performance Incentive: Ata-based distribution for aligned returns | Advisory Fee: Up to 0.6% per annum
All investments are reviewed and approved by the Investment Committee. An independent Shari'ah Advisory Committee (SAC) has been appointed to provide guidance on Shari'ah aspects pertaining to the fund.
Interactive Wealth Modeling
See what a commitment to the Income Fund could grow to at its 9.5% target return p.a.
Illustrative calculations based on targeted annualized yields. Past performance does not guarantee future results.
Four structured steps to start earning ethical, asset-backed returns.
Application and verification.
Investment needs, risk assessment and applicable FAIS advice requirements.
Capital is deployed in accordance with the fund mandate and Shariah governance framework.
Ongoing performance reporting and distributions in accordance with the fund terms.
Note: Past performance is not indicative of future results. All transactions are Shari'ah-compliant and supervised.
Clear, transparent answers regarding contract structures, return generation, and Islamic finance compliance for the Qantara Income Fund.
The Income Fund is structured under South African partnership law in accordance with Islamic commercial jurisprudence. Capital is deployed into Shari'ah-compliant private credit and asset-backed structures — including Murabaha, Tawarruq, Diminishing Musharakah, and Sukuk. Investors participate as limited partners / capital providers (Rabb-al-Mal), earning profit distributions from verified commercial transactions.
Unlike conventional bank fixed deposits or interest-bearing loans that charge a fee purely for the passage of time or the use of money, returns in the Income Fund arise from commercial trading margins, co-ownership, and structured financing backed by real assets and commercial transactions. Because returns stem from real economic activity rather than interest on cash, they are structured to comply with Shari'ah as approved by the SAC, with any incidental non-compliant income purified.
In accordance with Shari'ah law and regulatory standards, no capital guarantee can be provided by the fund manager (doing so would render the contract a prohibited interest-bearing loan). However, capital preservation is a core focus of the mandate through asset-backed and secured transactions, thorough credit screening, and sound governance.
Profit distributions are calculated and paid to investors on a bi-annual basis. Annually, following the financial audit and SAC review, Qantara issues an official Annual Zakat Breakdown Schedule based on AAOIFI Shari'ah Standard No. 35 (Zakah) and FAS 9 (Zakah) Net Working Capital standards, indicating the precise zakatable amount per unit held.
Each fund is structured to comply with Shari'ah as approved by our independent Shari'ah Advisory Committee (iConsult Africa). You can read the complete compliance breakdown, SAC oversight principles, and purification policies on our Shari'ah Governance FAQ page.
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