What We Do

The Mudarabah Partnership Model

At the heart of our operations is the Islamic principle of Mudarabah—a profit-sharing partnership that creates mutual benefit without the burden of interest-based financing. This approach aligns perfectly with our values of ethical business practices and community empowerment.

Capital Provision

Smart Khamari provides the necessary financial capital for agricultural ventures, removing the initial financial barrier for farmers.

Farmer Expertise

Our partner farmers contribute their land, labor, and agricultural expertise—the essential components for successful farming operations.

Profit Sharing

Returns from successful harvests or livestock sales are distributed according to pre-agreed ratios, typically with farmers receiving 50% of profits while returning the principal investment.

Risk Management

In accordance with Shariah principles, Smart Khamari bears any financial losses (provided there is no negligence), creating a more equitable distribution of risk.

Explore our goals

Facilitate Access to Finance

Align financial support with agricultural seasonal cycles to ensure timely funding for farmers and agri-SMEs. Conduct crop-specific needs assessments to identify eligible farmers for financing. Throughout the financing period, continuous monitoring is carried out to ensure proper utilization and impact.

Promote Advanced Technique and Natural Storage

Implement targeted training programs on crop management, livestock care, and aquaculture to promote advanced techniques and sustainable practices. Additionally, encourage the adoption of natural storage solutions for onions, such as air-blow machines and improved machha systems, to ensure long-term storage, maintain quality, and secure better market prices.

From Farm to Table: Safe, Traceable, and Profitable

In a world where consumers are increasingly conscious about where their food comes from, how it’s produced, and whether it’s safe. Smart Khamari is building a direct bridge between farmers and end consumers. By cutting out unnecessary middlemen and introducing smart systems for aggregation, traceability, and quality assurance, we ensure that food is safe, traceable, and profitable for everyone involved.

Forward Market Linkage

Smart Khamari links farmers to markets by offering training, monitoring, and access to finance. Through buy-back agreements and centralized product aggregation, farmers sell in bulk to buyers, cutting transport costs and boosting profits.

Integrate Digital Solutions

Build a digital platform to streamline access to quality inputs, advisory services, and supply chain management.

Youth Engagement in Agribusiness

Smart Khamari is committed to empowering youth in agribusiness by providing financial access, advanced techniques, market linkages, one to one business coaching and digital solutions to enhance productivity and profitability

Support a Future Where Violence and Poverty are Less Common

Donate now