Personal Loan
DIB Murabaha Personal Finance
DIB Bank Kenya
Last updated: April 16, 2026
★★★★★
0/5Based on 0 Reviews
Interest Rate
13% - 15% p.a.
Loan Amount
Ksh 100,000 - Ksh 8,000,000
Approval Time
3-5 working days
Processing Fee
KshNaN
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Pros & Cons
Pros
- Sharia-compliant with international Dubai Islamic Bank backing
- Lower profit rate starting at 13%
- Low 1.5% arrangement fee
- High KES 8M ceiling for serious financing needs
- Ibra rebate encourages early settlement
Cons
- Requires asset quotation (not pure cash loans)
- Very limited Kenya branch network
- Higher minimum loan of KES 100K
- Sharia compliance requires more documentation
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Product Details
Features
- Sharia-compliant Islamic finance from Dubai Islamic Bank
- Murabaha cost-plus-profit structure (no interest)
- Backed by Dubai Islamic Bank (UAE parent)
- Financing up to KES 8 million
- Sharia Supervisory Board oversight
- DIB Mobile and Internet Banking
- Ijara (leasing) and Tawarruq alternatives
- Gulf-Africa trade finance expertise
Eligibility Requirements
Age: 21 - 60 years
Min Income: Ksh 30,000/month
Employment: Employed, Professional, Self-employed, Business owner
Required Documents
- National ID or passport
- KRA PIN
- 3 months payslips
- 6 months bank statements
- Asset purchase quotation (for Murabaha)
Repayment Options
Standing orderDirect debitDIB Mobile
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