Journal of Islamic Business and Management

IslamicWorking Capital Finance of Orio Pharma: Combination of Ijarah and Musharakah

Sajida Tayyeb, Reema Zahoor & Waqar Hussain

This case is the overview of banking services of Al-Zamin Investment Bank to its client, Orio Pharma. It highlights the efficiency and effectiveness of bank in meeting the specific and unique requirements of its customers. The requirements of Orio Pharma included import of raw material from China and production of final goods. Al-Zamin bank ordered them Musharakah and Leasing (ijarah) against mortgage of single security to meet these requirements. Along with Alzamin Investment Bank, the process involved Sustainable Development Authority (SDA), Soneri Bank, lawyer, Regional Coordinator, Regional In-Charge, supplier in China, and Shipment Company. This study discusses the different steps and role of participants in the process of fulfilling customer requirements.


Working Capital Management, Musharakah, Leasing Ijarah, Mortgage