If you handle Sharia-observant clients in Kuwait, KFH is in your stack. Bulk-convert their PDFs — with Murabaha and Ijara labels preserved — into clean accounting CSV.
Convert KFH statementsKuwait Finance House is Sharia-compliant. Its statements include Islamic finance product labels — Murabaha installments ("قسط مرابحة"), Ijara lease payments ("إجارة"), Wakala investment movements ("وكالة استثمارية"), Tawarruq cash finance ("تورق") — that a generic OCR tool will either drop or mis-categorise. For a Sharia-observant client, that's an audit fail waiting to happen.
Kashfbank reads KFH's bilingual A4 format natively. Every Islamic finance label is preserved exactly as printed. KWD's 3-decimal precision is intact on every credit, debit, and running balance. The original Arabic narration carries through alongside any English label.
Standard CSV columns — Date, Description, Debit, Credit, Balance, Category — import directly into QuickBooks Online, Zoho Books, and Xero. The Category field distinguishes Murabaha, Ijara, Wakala, and Tawarruq from regular revenue, expense, and transfer lines, which makes chart-of-accounts mapping straightforward.
Investment accounts at KFH sit on a separate page from current account transactions. Kashfbank converts both, tagged distinctly so Wakala balances don't bleed into operating cash.
Every line, every fil, every Islamic finance label preserved. Nothing dropped, nothing translated away.
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
Collect 12 months of client KFH PDFs
From KFH Online or KFH Mobile exports. Bilingual A4 PDFs are standard.
Bulk upload to Kashfbank
Drop multiple PDFs in one session. Each is converted independently and labelled with its source filename, so you keep audit trail back to the right statement per row.
Reconcile against the client's books
Sum revenue credits, expense debits, and Islamic finance installments separately. The 3-decimal KWD totals reconcile to the fil. Murabaha and Ijara map to financing cost in the chart of accounts — never to interest expense.
Export to QuickBooks, Zoho Books, or Xero
Standard CSV imports directly. Sharia-compliant clients see their financing structure intact in the books, with Murabaha and Ijara labels carried through from source.
Common challenges
Are Murabaha and Ijara labels preserved into the export?
Yes. "قسط مرابحة", "إجارة", "وكالة استثمارية", and "تورق" are kept exactly as they appear in the KFH narration. Each gets its own category tag so chart-of-accounts mapping is unambiguous.
Does the export keep KWD to three decimal places?
Yes. Every figure preserves all three decimals. Trial balance reconciliation against the client's books works to the fil — no rounding mismatches.
Can I bulk-convert multiple Sharia-observant clients in one session?
Yes. Each PDF is processed independently and tagged by source filename. Convert 10–20 KFH PDFs across different clients in one session and download each as a separate CSV.
How are KFH investment account summaries handled?
KFH puts investment accounts on a separate page from current account transactions. Kashfbank converts both, with the investment summary tagged distinctly. Wakala balances and profit distributions don't bleed into operating cash flow.
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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