BarakahPay™ | Sharia-Based Micro-Finance Platform

BarakahPay™

Halal Micro-Financing for Muslim Entrepreneurs.
Powered by Faith. Backed by Tech. Built for Ummah.

🔍 The Problem

Conventional finance often excludes Muslims due to riba (interest)
Muslim solopreneurs lack ethical capital access
Zakat & waqf distribution is inefficient, unmeasurable

💡 The Solution

BarakahPay™ is a Sharia-based fintech platform that offers:

0% interest halal microloans (qard hasan model)
AI-powered barakah score for credibility
Zakat + waqf integration with spiritual impact tracking
Goal-based wallet with du’a journaling & sadaqah tracker

📦 Product Modules

Module	Description
Micro-Finance AI	Halal loans, barakah score, credibility tracker
Zakat & Waqf Engine	Smart distribution, auto reminders, impact analytics
Barakah Wallet	Du’a-based saving, sadaqah log, niyyah-based planning
Community Toolkit	Co-ops, pesantren, crowdfunding for infaq & sadaqah

🎯 Target Market

Muslim Gen Z founders & freelancers
UMKM / micro businesses across Indonesia, SEA, MENA
Islamic cooperatives, pesantren, and global diaspora

💼 Business Model

Free for users | Admin + service fee per loan
Subscription for institutions / fundraisers
Transaction fee from zakat/waqf distribution
Affiliate & API monetization for fintech partners

📈 Year 1 Projection

Metric	Target
Users	150,000+
Loan Disbursement	$5M+
Zakat/Waqf Raised	$2M+
Monthly Recurring Revenue	$70,000+

🏆 Competitive Edge

Feature	BarakahPay™	Other Fintechs
Sharia-Based Model	✅	❌
Integrated Zakat & Sadaqah	✅	❌
Spiritual Dashboard	✅	❌
Islamic Micro-Co-op Toolkit	✅	❌

🚀 Phase 2 Expansion

BarakahPay™ Card – Auto-sadaqah debit
Barakah Credit Score – AI + ethics + trust
Barakah Impact Incubator – invest in blessed ventures

💰 Investment Ask

Seed Round: $500K – $1M
Use of funds: Platform dev, licensing, market pilot, spiritual UX
Exit: Acquisition, sukuk tokenization, IPO via Islamic exchange

📩 Contact Us for Full Deck