ICFAL

ICFAL ICFAL is a 100% member-funded and owned organisation. So there is no question on the source of the fund - it's coming from the members of ICFAL.

We have grown to 5,000+ members and have been around in Australia for over 25+ years. ICFAL (Islamic Co-Operative Finance Australia Ltd.) is a cooperative that aims to provide financing solutions according to Islamic principles. Content on this page:
> Does not consider your personal circumstances, needs, objectives or financial situation.
> The factual information is not intended to imply any re

commendation or opinion about a financial product.
> The factual information is not personal advice or general advice.
> The information does not constitute financial advice or taxation advice, and the general nature of the content might not be applicable to you or your situation. Before acting on any information, you should seek professional advice and verify our interpretation/s before relying on the content or calculators within this page, our website or on the videos, while also considering its appropriateness in relation to your personal situation."

Murabaha is a Shariah-compliant financing ICFAL uses for car financing.Here's a quick overview of the contract:🚗 You ch...
25/06/2026

Murabaha is a Shariah-compliant financing ICFAL uses for car financing.

Here's a quick overview of the contract:
🚗 You choose the vehicle.
🤝 ICFAL purchases the vehicle on your behalf.
📋 The purchase cost and profit margin are disclosed upfront.
💰 You purchase the vehicle from ICFAL at an agreed price and repay it over time.

The key difference? The profit is earned through the sale of an asset, not by charging interest on money.

Learn more: http://icfal.com.au/finance/car-finance

Diminishing Musharakah is the Shariah-compliant partnership model ICFAL uses for home financing.Here's a quick overview ...
24/06/2026

Diminishing Musharakah is the Shariah-compliant partnership model ICFAL uses for home financing.

Here's a quick overview of the contract:

🏠 You and ICFAL purchase the property together.
🤝 Both parties contribute towards the property's ownership.
📈 Over time, you gradually buy ICFAL's share through agreed payments.
🏡 As your share increases, ICFAL's ownership decreases.
✅ At the end of the financing term, you become the sole owner of the property.

Unlike conventional financing, Diminishing Musharakah is based on partnership and shared ownership, making it a financing structure that aligns with Islamic principles.

Learn more: https://www.icfal.com.au/finance/home-finance

Every parent wants their child to have the freedom to choose their own path.Whether it's higher education, entrepreneurs...
23/06/2026

Every parent wants their child to have the freedom to choose their own path.

Whether it's higher education, entrepreneurship, or pursuing a passion, financial preparation can help open doors when opportunities arise.

Start building their future today with ICFAL Children Member Fund so they can choose with confidence tomorrow.

Learn more: https://www.icfal.com.au/investments/children-investment-fund

In Islamic finance, every transaction must be linked to a tangible asset be it property, goods, or genuine trade. Money ...
21/06/2026

In Islamic finance, every transaction must be linked to a tangible asset be it property, goods, or genuine trade. Money isn't just growing abstractly and it is tied to real economic activity.

Real assets have real underlying value. This naturally limits exposure to the kind of volatility and bubbles that purely speculative markets create.

Eid Al-Adha Mubarak from Team ICFAL! May Allah accept our Sacrifice & all our good deeds, bless our families with health...
26/05/2026

Eid Al-Adha Mubarak from Team ICFAL!

May Allah accept our Sacrifice & all our good deeds, bless our families with health & happiness, keep us and our loved ones in good health & prosperity.

The Prophet ﷺ taught everyone to be sincere in their promises, responsibilities, and relationships with others.Every com...
25/05/2026

The Prophet ﷺ taught everyone to be sincere in their promises, responsibilities, and relationships with others.

Every commitment we make to our members is backed by our Shariah board. It ensures your trust of 100% Shariah Compliance in every decision we make.

Learn more about our compliance:
https://www.icfal.com.au/finance/shariah-compliance

The Day of Arafah is one of the greatest days in the sight of Allah.The Prophet ﷺ said: “Fasting the Day of Arafah expia...
25/05/2026

The Day of Arafah is one of the greatest days in the sight of Allah.

The Prophet ﷺ said: “Fasting the Day of Arafah expiates the sins of the previous year and the coming year.”

This is a day of forgiveness, mercy, and acceptance of dua. May Allah accept from us, and accept our ibadah on this blessed day 🤲

25/05/2026

A growing relationship, a shared mission, and a commitment to doing more together. ICFAL and Charity Right Australia, looking forward to the future Insha Allah.

May Allah bless this relationship, put barakah in our collective efforts, and make it a means of goodness for the ummah.

The Prophet ﷺ emphasized unity, compassion, and mutual care among Muslims.� He taught believers to protect one another’s...
24/05/2026

The Prophet ﷺ emphasized unity, compassion, and mutual care among Muslims.� He taught believers to protect one another’s rights, avoid division and hatred, and strengthen the Ummah through justice, mercy, and brotherhood.

Every membership with ICFAL contributes to something bigger - a community that finances each other's dreams and grows stronger together.

Join the community now:
https://www.icfal.com.au/investments/general-investment-fund

The Prophet ﷺ instructed the us to hold firmly to the Qur’an and his Sunnah after his passing. He emphasized that true g...
23/05/2026

The Prophet ﷺ instructed the us to hold firmly to the Qur’an and his Sunnah after his passing. He emphasized that true guidance, stability, and protection from misguidance come through following divine revelation.

That's the foundation every ICFAL product is built on. Shariah-compliant finance guided by the teaching of Qur’an & Sunnah so your wealth grows without compromising any Islamic values.

Address

Suite 12, 55 Phillip Street
Paramatta, SA
2150

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+611300042325

Website

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