Bank AlJazira is fully Sharia-compliant. Murabaha installments code to liability accounts and AlJazira Capital profit distributions to investment income — Kashfbank tags both.
Convert AlJazira statementsAccountants handling Bank AlJazira clients work with a compact bilingual PDF: Date (DD/MM/YYYY), Arabic-primary Description, Reference, Debit, Credit, Running Balance. The bank's full Sharia-compliance simplifies one thing — no "فائدة دائنة" entries to exclude. But AlJazira Capital profit distributions need distinct investment-income coding, and Murabaha installments need liability-account mapping.
AlJazira's smaller transaction volume per client (compared to the big national banks) means the CSV is typically compact and quick to reconcile for monthly close. The standard column layout (Date, Description, Debit, Credit, Balance, Category) imports cleanly into Zoho Books and QuickBooks.
Standard Sharia-compliant coding for AlJazira: "قسط مرابحة" debits the Murabaha-payable liability account (principal reduction) plus finance-cost expense (profit portion per the contract). "إجارة" splits between asset-acquisition (principal) and finance-cost (profit) using the lease amortization. "أرباح استثمارية" credits the investment-income account, not operating revenue.
POS-MADA debits hit operating expense at the 15% VAT-inclusive value, with input VAT recoverable against the merchant invoice. Sarie credits ("حوالة سريعة واردة") and SWIFT inflows ("حوالة دولية واردة") code to accounts receivable or revenue depending on the counterparty. The CSV preserves all reference numbers in the Description column for audit-trail continuity.
Each client engagement needs the same statement cut differently. The CSV cuts in seconds.
Bank AlJazira statements are bilingual PDFs in SAR. Columns are: Date (DD/MM/YYYY), Transaction Description (Arabic-primary), Reference, Debit, Credit, Running Balance. Islamic product names — Murabaha, Ijarah, Musawama — appear in Arabic in the description column. The header includes account IBAN, holder name, and statement period.
| Label | Meaning |
|---|---|
| قسط مرابحة | Murabaha financing installment |
| POS-MADA- | Mada debit purchase at point of sale |
| حوالة سريعة | Sarie instant domestic transfer |
| راتب | WPS salary credit |
| أرباح استثمارية | Investment profit distribution from AlJazira Capital |
Saudi accountants using Zoho Books (dominant in KSA) or QuickBooks can import Kashf CSV exports directly; the SAR/Hijri date mapping requires the Date column to be in DD/MM/YYYY Gregorian for compatibility.
Collect AlJazira statements from your client
Request bilingual PDFs covering the bookkeeping period. AlJazira statements reflect all Sharia-compliant product activity in the period.
Bulk-upload to Kashfbank
Drop all PDFs into a single session. Each file converts independently and is labeled with the source filename for audit-trail clarity.
Import the CSVs into your accounting software
Zoho Books and QuickBooks accept Kashfbank's standard column layout. The Category column maps cleanly to your client's chart of accounts.
Code the Sharia-specific lines
Apply the client's Murabaha and Ijarah contract schedules to split principal versus profit. Code AlJazira Capital profit distributions to investment income, not operating revenue.
Common challenges
Can Kashfbank process AlJazira current-account and AlJazira Capital investment-account statements together?
Yes. Upload both PDFs in a single session. Each converts independently; the CSV preserves the row labels so current-account operating activity stays separate from investment-account profit distributions.
How does Kashfbank handle AlJazira Ijarah payments where principal and profit are not split on the statement line?
Kashfbank tags the row as Ijarah and preserves the full installment amount. The principal/profit split comes from the lease schedule in the original AlJazira finance contract. The CSV gives you the row dates and amounts to align with the schedule for accurate coding.
What happens with AlJazira's smaller monthly transaction volume — does the CSV still help?
Yes. Smaller volume means faster reconciliation but the same coding rules apply. The CSV's Category column pre-tags Murabaha, Ijarah, investment profit, Sarie, SWIFT, and POS-MADA rows, so even a 30-row statement is faster to code from CSV than from PDF.
Does Kashfbank preserve AlJazira reference numbers for audit purposes?
Yes. Reference numbers from AlJazira's statement appear in the CSV's Description column. They support audit-trail continuity for monthly close and year-end review.
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Regulator: Saudi Central Bank (SAMA)
Fiscal year: Hijri fiscal year (government); Gregorian Jan–Dec (most private sector)
Full country guide →Statement language: Arabic / English