✦ ISLAMIC BANKING
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Islamic Financing

Ijara Muntahia Bittamleek

isb-ijara-muntahia-bittamleek · isb-financing

A Shariah-native BIAN service domain in Islamic Financing. It applies the Fulfill functional pattern to the Lease To Own Arrangement, with the Lease To Own Arrangement Fulfillment Arrangement as its control record — one isolated Spring Boot microservice.

View repository ↗The 48-domain landscape ↗

Business DomainLease And Partnership Financing
Functional PatternFulfill
Asset TypeLease To Own Arrangement
Control RecordLease To Own Arrangement Fulfillment Arrangement

USEWhat it is used for

Representative use cases for the Ijara Muntahia Bittamleek service domain within a Shariah-compliant core-banking landscape.

APIBIAN semantic API

Each service domain exposes its control record (Lease To Own Arrangement Fulfillment Arrangement) through uniform BIAN action terms. Java 21 · Spring Boot 3, with OpenAPI at /swagger-ui.html.

MethodPathBIAN action
GET/v1/service-domainService metadata
POST/v1/lease-to-own-arrangement-fulfillment-arrangement/initiateInitiate
GET/v1/lease-to-own-arrangement-fulfillment-arrangement/{crId}/retrieveRetrieve
PUT/v1/lease-to-own-arrangement-fulfillment-arrangement/{crId}/updateUpdate
PUT/v1/lease-to-own-arrangement-fulfillment-arrangement/{crId}/controlControl (suspend / resume / terminate)

INTBackend integrations

The systems and standards a real deployment of Ijara Muntahia Bittamleek would transact with.

RUNRun it yourself

Each domain is its own standalone Spring Boot repository — clone and run in seconds, or deploy onto Kubernetes with the bundled Helm chart.

# run this domain standalone
git clone https://github.com/Sreenivas-Sadhu-Prabhakara/isb-ijara-muntahia-bittamleek
mvn -f isb-ijara-muntahia-bittamleek spring-boot:run
curl localhost:8080/v1/service-domain

# or deploy onto Kubernetes (Cilium mesh)
helm upgrade --install isb-ijara-muntahia-bittamleek ./helm -n isb-financing

FAQQuestions

What is Ijara Muntahia Bittamleek?
Ijara Muntahia Bittamleek is a lease ending in ownership: the customer leases the asset and title transfers to them at the end of the term, combining use-now with eventual ownership in a Shariah-compliant way.
What business area does Ijara Muntahia Bittamleek belong to?
Ijara Muntahia Bittamleek sits in the Islamic Financing business area — asset-backed Islamic financing, where the bank trades in or co-owns real assets instead of lending money at interest. It follows the BIAN Fulfill functional pattern over the Lease To Own Arrangement asset, with the Lease To Own Arrangement Fulfillment Arrangement as its control record.
How is this isolated from conventional banking?
Completely. The Islamic landscape shares no code, repositories, namespaces or events with the conventional platform. This domain lives in the isb-financing namespace with an isb-* repository and com.bank.islamic package, so the two can never mix by accident.
Is this a certified Shariah-compliant product?
No. It is an educational reference implementation in the BIAN service-domain style. Actual Shariah compliance of any real deployment requires certification by a qualified Shariah Supervisory Board. Standards referenced: AAOIFI, IFSB, IIFM.

SEEIn the landscape

Ijara Muntahia Bittamleek is one of 48 Shariah-native service domains. Explore the whole platform:

✦ Platform overview The Master Catalog (48 domains) This repository ↗