EthikaFinance Intelligence

Outils fondés sur des hypothèses

Outils Financiers FNI

Calculateurs interactifs pour comprendre, comparer et planifier les produits de Finance Non-Intérêt — avec le contexte fiscal ghanéen.

Chaque calculateur ici est fourni à des fins éducatives générales uniquement. Les résultats sont des estimations indicatives et peuvent ne pas correspondre aux conditions proposées par une banque. Ceci ne constitue pas un conseil financier — consultez un conseiller qualifié ou une institution FNI agréée pour votre situation. Lire l'avertissement complet

Comparaison Prêt vs. Murabaha

Comparez les prêts conventionnels à intérêt vs. le financement Murabaha conforme à la Charia. Voyez comment les taux bancaires typiques du Ghana se comparent.

GH₵50,000.00
GHS 5,000GHS 500,000

Ghana: Typical SME financing: GHS 10,000 - 500,000. Larger amounts may require collateral.

3 Years
1 Year10 Years
28%
5%40%

Ghana — BoG Policy Rate: 29% (banks add margin on top)

Typical personal loans: 25-35% | SME: 22-32%

15%
5%30%

Ghana: NIB banks typically charge 10-20% one-time profit margin (not annual). Effective rate: 5.0% per year over 3 years.

Key Difference:

  • • Interest: Compounds over time. 28% annual = 48.9% total over 3 years
  • • Murabaha: Fixed one-time markup. 15% total regardless of term length
Shariah note: Murabaha profit margin is a one-time mark-up on the purchase price, agreed upfront. The bank must actually purchase the asset first. The price is fixed and cannot increase even if you pay late (late fees go to charity).
Conventional Loan

Monthly Payment

GH₵2,068.18

Total Repayment

GH₵74,454.46

Interest Charged

GH₵24,454.46

(48.9% of principal)

Murabaha (NIB)

Monthly Payment

GH₵1,597.22

Total Payment

GH₵57,500.00

Profit Margin

GH₵7,500.00

(Fixed, never increases)

You save GH₵16,954.46 with NIB

22.8% less than a conventional loan over 3 years

Total Cost Comparison

ConventionalGH₵74,454.46
100%
Murabaha (NIB)GH₵57,500.00
77%

For Ghanaian SMEs & Shop Owners:

  • Murabaha is ideal for purchasing inventory, equipment, or vehicles
  • The bank buys the asset and sells it to you at a fixed price
  • No surprises: you know the exact total cost from day one
  • Interest expense on conventional loans may be tax-deductible (consult GRA)
  • NIB profit margins are NOT tax-deductible as interest (different treatment)
Disclaimer: This comparison is for educational purposes only. Actual rates and terms vary by bank, creditworthiness, and collateral. Always obtain quotes from multiple banks and read all terms before signing. Ethika Finance does not provide financial advice.