Alinma issues Tawarruq-based personal finance. The underwriter understands the product — but they want to see your real income clearly. Convert to CSV so Tawarruq drawdowns don't inflate the picture.
Convert your Alinma statementAlinma's personal finance product is structured as Tawarruq — a Sharia-compliant cash-liquidity mechanism. The underwriting follows SAMA's standard rules: three months of statements, debt-burden ratio capped at 65% of monthly income, salary credits verified, average balance reviewed. The Sharia structure shapes the product, not the credit assessment.
What underwriters specifically watch for in Alinma statements: existing Murabaha installments ("قسط مرابحة") that signal current liabilities, Tawarruq pairs that should not be mistaken for income, and the stability of the WPS salary credit ("راتب").
First, find the salary credits. They appear as "راتب" with the employer code, ideally on the same monthly date. Second, sum the existing Murabaha installments ("قسط مرابحة") — these are your current debt service. Divide by salary to get the burden ratio.
Third, identify Tawarruq pairs. A Tawarruq drawdown appears as a large credit followed by a matching debit on the same date. This is not income. The underwriter knows it; you should too. Net the pairs in your own calculation before submitting.
The CSV gives you the same picture the Alinma underwriter constructs.
Alinma statements are bilingual PDFs with a clean, modern layout. Columns are: Date (DD/MM/YYYY), Transaction Description (Arabic-primary), Reference, Debit, Credit, Balance. Islamic product labels dominate: Murabaha, Tawarruq, and Mudaraba terms appear frequently. The statement is denominated in SAR throughout.
| Label | Meaning |
|---|---|
| قسط مرابحة | Murabaha financing installment |
| تورق | Tawarruq (commodity Murabaha) cash liquidity transaction |
| POS-MADA- | Mada point-of-sale debit |
| حوالة سريعة | Sarie instant domestic transfer |
| أرباح الودائع | Profit on Islamic savings/investment deposit |
Saudi banks (Al Rajhi, SNB) require 3 months of SAMA-compliant statements; WPS salary entries are weighted heavily in personal loan scoring.
Export three months from Alinma Mobile
Pull three monthly PDFs or one combined three-month statement from Alinma Mobile.
Upload to Kashfbank
Convert all three together. Kashfbank merges them chronologically and pairs Tawarruq entries for visibility.
Compute your debt-burden ratio
Sum "قسط مرابحة" debits across the three months. Divide by average monthly "راتب" credit. Stay under SAMA's 65% cap.
Submit Alinma PDFs to the bank
Alinma's underwriting accepts the bank-issued PDFs. The CSV is your self-review — submit the original PDFs.
Common challenges
Will Alinma's underwriter mistake a Tawarruq drawdown for additional income?
No. Alinma's own underwriters understand the Tawarruq structure and net the pairs before computing income. The CSV exposes the same pair so you can confirm the calculation matches what the underwriter sees.
My Alinma salary date shifted because of an Eid holiday. Does this affect the application?
WPS salary timing can shift by a few days around national holidays. The credit still carries the "راتب" label and employer code. The CSV shows the exact dates, and a short cover note explaining the shift resolves it.
Can existing Murabaha installments at Alinma be refinanced into a new facility?
That is a product decision for Alinma's lending team, not a Kashfbank function. The CSV gives you the precise installment amount and remaining tenor information visible in the statement, which is what you bring to the refinance conversation.
Does Kashfbank merge multiple Alinma monthly PDFs?
Yes. Upload three or more PDFs in one session. The CSV merges chronologically with a Source column tagging each row by origin filename.
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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