KFH evaluates 3–6 months of statements for Murabaha and Tawarruq applications. Convert your PDF first so you know exactly what their underwriters will see.
Convert your KFH statementKFH's retail finance products — Murabaha cash finance, Tawarruq commodity finance, Ijara vehicle leasing — all follow the Central Bank of Kuwait's debt-burden ratio cap of 50% of net income. Underwriters total your existing financing installments (the "قسط مرابحة" and "إجارة" lines already on your statement) against your salary credits to confirm you have headroom for new finance.
Salary continuity matters: regular "راتب" credits in the same week each month. So does cash flow discipline: no returned cheques, no overdraft slips, stable month-end balance. Converting the statement to Excel shows you all three at a glance.
Existing Murabaha installments land monthly with the financing reference attached. Ijara lease payments are typically smaller and recur on the same date. Wakala investment movements are unrelated to debt burden and should not be confused with installments — the converted CSV tags them separately.
KWD's 3-decimal precision matters in scoring. A 0.500 KWD shortfall on a Murabaha payment can register as a delinquency flag. Kashfbank keeps every fil intact.
Pull 3–6 months merged. Tag salary, existing Islamic finance installments, and any month with unusual movement.
Formal A4 bilingual PDF. Islamic finance product type printed alongside transaction reference in narration column. KWD to 3 decimal places. Investment account summaries on a separate page from current account transactions. Multi-page statements include page subtotals.
| Label | Meaning |
|---|---|
| مرابحة | Murabaha (cost-plus financing repayment) |
| إجارة | Ijara (Islamic lease payment) |
| وكالة استثمارية | Wakala investment deposit |
| تورق | Tawarruq (cash finance) |
| راتب | Salary credit |
Rules in Kuwait differ — see our country guide
Request 3–6 months from KFH Online
Download statements covering KFH's required window. The bilingual A4 PDF is the format their underwriters use.
Upload to Kashfbank
Drop the PDFs in. Murabaha, Ijara, and Wakala labels are preserved. KWD's 3-decimal precision is intact.
Calculate your debt-burden ratio in advance
Sum the salary credits per month. Sum existing Murabaha and Ijara installments per month. Divide — that's the ratio KFH's underwriter will calculate. CBK caps it at 50%; sit comfortably below.
Walk in prepared
Bring the original PDF to KFH and the converted CSV to your meeting. You'll be ready for the questions the underwriter is going to ask.
Common challenges
Does KFH count Wakala investment activity against my debt burden?
No. Wakala is investment, not financing. Kashfbank tags Wakala profit and principal separately from Murabaha and Ijara installments, so you don't accidentally inflate your debt burden when self-calculating.
Will KFH accept the converted CSV or do they want the original PDF?
KFH requires the original bank-issued PDF. The CSV is for your own review and for your finance broker who is preparing your debt-burden calculation in advance.
My salary skips months due to Hijri-aligned government pay. Will that hurt my application?
Government salaries aligned to Hijri dates can land outside the Gregorian calendar month. KFH underwriters who handle government employees account for this. The converted sheet shows the actual deposit dates — bring it up proactively.
Can I merge 6 months of KFH PDFs into one chronological view?
Yes. Upload each month's PDF and Kashfbank merges them in date order with continuous running balance. You see the full 6-month picture in one Excel sheet.
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Regulator: Central Bank of Kuwait (CBK)
Fiscal year: Apr 1 – Mar 31 (government); Jan–Dec (private sector)
Full country guide →Statement language: Arabic / English