Bank AlJazira Murabaha personal finance is regulated by SAMA. Underwriters apply a personal-touch review — your CSV makes the income, installment, and balance picture readable in minutes.
Convert your AlJazira statementBank AlJazira's Murabaha personal finance requires three months of statements per SAMA guidelines. As a smaller bank than the large national institutions, AlJazira underwriters often run a more personal review process — but the underlying SAMA criteria are the same: consistent WPS salary credits, an installment-to-income ratio within the debt-burden ceiling, and a stable balance trend.
AlJazira is fully Sharia-compliant, so existing finance obligations appear as Murabaha installments ("قسط مرابحة") or Ijarah lease payments. The CSV makes the monthly debt-service total visible at a glance, so you can compute the SAMA debt-burden ratio before submission and know whether the application has headroom.
The AlJazira PDF runs: Date (DD/MM/YYYY), Arabic-primary Description, Reference, Debit, Credit, Running Balance. Underwriters focus on "راتب" for WPS salary credits, "قسط مرابحة" for existing Murabaha installments, the closing balance trend, and any one-off credits above a threshold.
The installment-to-income ratio is the central number. Sum monthly "قسط مرابحة" plus "إجارة" debits, divide by monthly salary credit. SAMA's debt-burden ceiling for personal finance is 33–45% depending on borrower category. AlJazira applies the SAMA limit.
The data the underwriter pulls is the data you pull. The CSV makes the same view available to both sides.
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 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 Bank AlJazira App
Download bilingual PDFs covering the last three completed months. AlJazira statements reflect all Sharia-compliant product activity in the period.
Upload to Kashfbank
Drop the PDFs in. Salary credits, Murabaha installments, and investment profits are tagged separately for review.
Calculate the installment-to-income ratio
From the CSV, sum monthly "قسط مرابحة" plus "إجارة" debits. Divide by monthly salary credit. Keep the result below SAMA's debt-burden ceiling for your borrower category.
Submit cleanly to AlJazira
Hand the original AlJazira PDF to the underwriter. Use the CSV for your own pre-submission review — to spot any issue before the underwriter does.
Common challenges
Does Bank AlJazira accept the converted CSV instead of the original PDF?
No. AlJazira's underwriting team requires the original bank-issued PDF. The CSV is for your own review and your accountant's verification. Submit the AlJazira PDF; use the CSV to know exactly what's in it.
AlJazira is smaller than the big Saudi banks. Does that change the application timeline?
AlJazira underwriters often run a more personal review, which can mean a slightly longer turnaround. The upside is more flexibility on edge cases. A clean CSV pre-review on your side speeds the process — the underwriter sees a well-prepared file.
How does Kashfbank treat "أرباح استثمارية" rows in a loan application?
Investment profit distributions are non-earned income. They are not qualifying income for personal-finance debt-burden calculations. Kashfbank tags them separately so they don't inflate the income side of the ratio. The underwriter looks at salary, not investment profits, for affordability.
What debt-burden ratio does SAMA allow for AlJazira Murabaha financing?
SAMA's personal-finance debt-burden ratio is 33% for most categories, with a higher ceiling (up to 45%) for retirees on government pension. AlJazira applies the SAMA limit. The CSV lets you sum existing Murabaha installments to know your headroom before applying.
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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