This is a consumer product that enables customers to acquire household appliances ranging from refrigerators, freezers, furniture, kitchen appliances, laptop computer, TV set, etc. with the flexibility of a monthly payment plan. This is financed under Murabaha (cost plus). The bank purchases the appliances identified by the customer and sells same to the customer at cost plus profit. Payment is usually on monthly basis from the customer’s salary for a period of up to 24 months.