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Development of Shariah-Compliant Peer-to-Peer Lending Platform

softkraft.co

Financial services

eCommerce

Information technology

Market Challenges in Traditional Lending

Existing lending systems lack direct investor-borrower connections, Shariah-compliant investment opportunities, and automated risk-managed loan processing. Current solutions fail to provide transparent credit scoring, multi-channel repayment notifications, and secure document management for cross-border financial transactions.

About the Client

Early-stage fintech company aiming to disrupt traditional lending models through a Shariah-compliant P2P platform connecting investors and borrowers

Platform Implementation Goals

Create a secure multi-sided marketplace for P2P lending
Implement Shariah-compliant investment return mechanisms
Automate loan qualification and repayment workflows
Establish real-time transaction monitoring dashboards
Ensure Arabic/English bilingual support

Core System Capabilities

Multi-step borrower registration with document upload
Credit scoring and loan qualification engine
Investor loan filtering by risk/return parameters
Automated repayment scheduling and notifications
In-platform PDF document signing integration
Real-time investment tracking dashboard
Multi-language interface with regional compliance

Technology Stack

Python

Django

React.js

AWS

Third-Party Systems

Payment gateway integration
SMS/email notification services
Digital document signing API
Credit bureau data connectors

System Requirements

AES-256 data encryption at rest/in transit
High-availability AWS architecture
Sub-2s page load performance SLA
ISO 27001 compliance
Horizontal scalability for 100k+ concurrent users

Business Value Proposition

Enables rapid loan access for underserved borrowers while creating Shariah-compliant passive income streams for investors. Expected to reduce loan processing time by 70% through automation, with potential to capture 15% market share in Saudi Arabia's $12B alternative finance sector within 18 months post-launch.