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About Us

Masaref is a specialized banking solutions provider in TEMENOS T24 Conventional & Islamic core banking system. Our core services are built around the implementation of T24 core banking system (customization, integration, data migration, support, training, etc.) in addition to many added value services related to local market needs.

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Islamic Banking

Masaref Business and Systems consultancy Masaref, have implemented many Islamic products according the Shariaa regulations and process. All the products implemented using the core functionalities to avoid any future issues with the core upgrads. Our products are unique and not avail on the other applications. Below are some examples of these products.

  • Auto Murabaha
  • Real Estate Murabaha
  • Auto Ijarah
  • Real Estate Ijarah
  • Goods Financing
  • Education Financing
  • Mudaraba
  • Restricted Mudaraba
  • Cash Management Account CMA
  • SAMA Murabaha
  • Commodity Murabaha
  • Direct Murabaha
  • Direct Ijarah
  • Direct Musharakah
  • Bea AlAjil
  • Direct Investment
  • LC Murabaha
  • LC Ijarah
  • LC Musharakah
  • Forward Ijarah

More details for each and every product will be provided upon request.