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In today’s uncertain economic climate, investing wisely is more important than ever. Asabik offers investors sustainable returns, diversified portfolios, and sound investments, even during financial turmoil. With quick and easy application, you can rest assured knowing that your investments are in safe hands, easily managed by yourself with investments opportunities are presented to investor in very simple way easily understood by non-expert investors.
Investors should have a say in where their money should be invested, a business can be a legitimate, and it operates within the legal framework, but it does not necessarily mean its business model is ethical and the goods and services it provides is adding any value to the community, to the society, to people, and to the place we live. Some businesses can have the legal and ethical frameworks. However, their business model causes harm to people (poor working conditions), plants, animals, or the environment. Many examples of businesses operate legally, but their contribution to the society is negative.
As an investor, I should have a say if my money is going to be invested in such business practices. Asabik provides a wealth management solution so investors can invest only in verified businesses that comply with the ethical code, environment, and green regulations. Any business that operates unethically, or is unfair to its employees, or produce services /products that can harm environment is not a sustainable business and nobody is interested to invest and be a part of it’s operations. Asabik is here to protect investors and enable accountable capital market growth
With ABASIK, you may invest in reputable American SME companies and get returns that are unrivaled! There is an inflation risk in the bond market. Speculation drives stocks mostly. Crypto currencies are rife with con artists. Property is overpriced. When financial crises arise, banks and mutual funds give MINIMAL returns and are subject to money seizures and bank failures. With ASABIK, you can help tiny, ethical enterprises and make direct investments in the United States (US) economy. Invest with ASABIK’s top-notch companies to earn positive profits.
Ethical investing is rising, with more investors seeking opportunities that align with their values and beliefs. Asabik offers Shariah-compliant investments that adhere to Islamic principles, providing a halal alternative for Muslim and non Muslim investors. By investing with Asabik, you can ensure that your money is being used ethically and responsibly without compromising on your beliefs and your values.
Why do you save your money on a bank that will use your money to finance unethical operations and during financial turmoil, will get bailed out but your money is NOT secured? Naysayer on where your money goes? How it is invested? What type of business is funded? Why take a risk at this time when the bond, stock, and real estate markets are all inflated together.
At Asabik, your savings and wealth accounts will never be used to fund unethical activities that may harm people or the environment or sell you a risky, highly valued assets because we have a culture of inclusion and belongings to the society and the people. You will manage your own money, where to invest, what return to get, the term and conditions you prefer with the support of Asabik Platform you manage your account independently. You invest in real business opportunities with an actual financial transparency value.
With unequaled positive returns, ABASIK provides HALAL investments that enable you to support tiny, ethical enterprises in the United States. You can steer clear of HARAM investments using ASABIK, such as interest-bearing bonds, mutual funds, and bank returns.
Give up transferring money to interest-bearing banks, often known as unsecured banks! With ASABIK, you can HELP small, ethical enterprises and make direct investments in the US economy. Invest with ASABIK in reputable companies to receive positive, ethical compliant profits.
Due diligence and financial assessment.
Our specialists carry out full legal and financial due diligence of each company listed on our Platform. We perform a thorough financial assessment of each business, evaluate their creditworthiness, assess/determine each project’s risk level, and carefully evaluate each company’s capitalization, sustainability, and capability.
Watching your fund and the performance of the Company you invested in.
Each company is required to share its profit and loss statement with us each month, which is verified with its bank records. Each month, the company will share its performance, and failing to share this info will result in a penalty and can affect their credit score.
Risk assessment system.
Careful ongoing monitoring of all listed companies already funded until they are fully completed and repaid.
Personal data security.
Asabik complies with all GDPR (General Data Protection Regulation), KYC (Know Your Customer), and AML (Anti-Money Laundering) guidelines, We have partnered with a third party, a global identity verification provider, to guarantee compliance
Transactions transparency.
Full transparency at all stages of your investment activity with us. Each investor can track the state of his finances at any time on his account.
The Profit Sharing Ratio (PSR) is the percentage of profit will be shared to the investors and set by registered company or business at the start when their details is published on Asabik platform. Each business is asked during the registration process two questions that is used to calculate the PSR and the ratio will be shown. First question is the average monthly net profit and second question is how much of the average monthly net profit the business is willing to share with its investors. See example below
Business A answered that their average monthly net profit is $8800, and they are willing to share $1760 monthly with investors. Then the PSR is $1760/$8800 % = 20%
Each month, Company A will share 20% of any profit they make until the end of the investment term. If the company made a loss or zero profit during any month, they are not required to pay anything on that month
Suppose the profit they made in the next four months is as follows with calculated PSR
Jan Profit $10,000 x 20% = $2500 shared profit with investors for Jan
Feb Profit $8,000 x 20% = $2000 shared profit with investors for Feb
Mar Profit $6,000 x 20% = $1500 shared profit with investors for Mar
Apr Profit $0 x 20% = $0 shared profit with investors for Apr
The PSR is the reference of profit sharing during investment term. It can’t be modified after investment is received. However, the business or company can change it before any investors made any investment on their company. Suppose Company B set the PSR to be 8% and after 10 days there were no investors joined due to the rate being not attractive return. They changed it to be 14% and managed to get the fund they need in less than seven days.
It is also important to the investor as this ratio will be used to calculate the profit share percentage for the business he/she invested in. The more profit a business makes in any month, the more return the investor gets for his/her investment.
The interest system can kill innovation, especially for small companies, because of the obligation to pay the principal debt and interest without regard to the company’s financial condition while the Profit and Loss Sharing Model can solve this problem for business owners/ entrepreneurs.
The interest system can reduce investment activities because of the burden of investment costs. If interest rates are raised because of monetary policy, private investors will receive large losses due to lower economy growth and limited investment opportunities. The Profit and Loss Sharing Model can solve this problem for investors. The amount of profit generated will fluctuate according to the real benefits derived from the use of funds, hence circulation of the money increased and reduce the exposure to a currency devaluation.
The structure of the profit-sharing instrument has unprecedentedly effective tools to reach the economic goals of full employment, stability, balanced growth, and equity. The Profit and Loss Sharing Model is considered the most effective method to influence economic activity.
Open – The Company is open for investment until the target amount of the fund desired by the Company is reached.
Funded – After Asabik transfers the invested fund amount to the Company and the Company fulfills all the required terms and conditions of the Invested Fund Agreement, the project status will change to Funded.
Closed – The project status will change to closed after the Company pays back the investment and all profits-sharing payments to all investors.
Reminders and warnings are sent according to the following schedule:
Payment reminder after 5 days
1. Warning after 10 days
2. Warning after 20 days
3. Final warning after 30 days
Between the second and the third warning we try to get in contact with the company and try to solve the problem directly. Most of the time, things are cleared up after the first payment, and the shared profits are paid on time. You are informed about our next steps as soon as the final warning is sent The final warning usually has a payment term of 10 days. If no payment is made during that time, the investor can initiate the legal collection process independently.
