As per Shariah requirements concerning financing, Manzil's relationship with the customer is a relation of a seller to a buyer (respectively) for Murabaha or a partner for Musharaka, and not a lender to a borrower, as it is in conventional lending [cite: 16][cite_start].
Manzil finances the transaction through buy-and-sell activities (Murabaha) or a partnership (Musharaka)[cite: 19]. [cite_start]Therefore, there is a profit due to a transfer of ownership based on a real economic transaction and not interest (Riba)[cite: 20].
