WORKING CAPITAL FINANCING (CONVENTIONAL / SHARIAH)
Mastering Short-Term Financing Solutions in Compliance with Conventional and Islamic Principles
Course Schedule
| Date | Venue | Fees (Online) |
|---|---|---|
| 22 – 23 Apr 2026 | Online | USD 700 per delegate |
Course Introduction
Working capital financing is essential for sustaining daily operations, managing liquidity, and driving short-term business performance. Understanding the structures and principles behind both conventional and Shariah-compliant financing options enables businesses to select the most suitable mechanisms for their context, whether in traditional or Islamic financial environments.
This course delivers an in-depth overview of working capital financing instruments such as overdrafts, trade credit, factoring, Murabaha, Tawarruq, and Ijara. Participants will gain the knowledge and tools to assess financial needs, structure appropriate solutions, and ensure compliance with both commercial and Shariah principles.
Course Objectives
By the end of this course, participants will be able to:
• Identify the key components and cycles of working capital management
• Compare conventional vs. Islamic financing instruments for short-term funding
• Apply appropriate financing techniques aligned with liquidity needs
• Evaluate the risk, cost, and Shariah compliance of various facilities
• Structure working capital proposals tailored to business requirements
Key Benefits of Attending
• Understand and compare diverse working capital solutions under two financial systems
• Enhance liquidity planning and treasury operations
• Gain clarity on Islamic finance structures and compliance standards
• Improve negotiations with banks and financial institutions
• Develop dual-competency in both conventional and Islamic banking practices
Intended Audience
This program is designed for:
• Finance managers and corporate treasurers
• Bankers and relationship managers
• Islamic finance professionals and Shariah advisors
• SME owners, CFOs, and financial consultants
• Auditors and regulators seeking knowledge of hybrid financial structures
Individual Benefits
Key competencies that will be developed include:
• Working capital cycle optimization
• Assessment of financing needs and structures
• Understanding of Murabaha, Tawarruq, and conventional credit lines
• Shariah compliance interpretation and application
• Risk and liquidity evaluation of financing instruments
Organization Benefits
Upon completing the training course, participants will demonstrate:
• Enhanced financial planning and control for short-term operations
• Improved compliance with Islamic finance standards
• Broader funding strategy aligned with corporate policies
• Strengthened capacity to engage with both Islamic and conventional lenders
• Efficient structuring of financing for procurement and cash flow stability
Instructional Methdology
The course follows a blended learning approach combining theory with practice:
• Strategy Briefings – Working capital principles, instruments, and structures
• Case Studies – Applications of conventional and Islamic financing in various sectors
• Workshops – Structuring trade finance solutions and compliance reviews
• Peer Exchange – Sharing experiences on liquidity challenges and practices
• Tools – Working capital analysis templates, financing cost calculators, compliance checklists
Course Outline
Delivery Format: Online (Live) | Platform: Zoom, WebEx or Microsoft Teams
Day 1: Fundamentals of Working Capital & Conventional Financing
- Module 1: Working Capital Management Principles
• Cash conversion cycle, liquidity drivers, KPIs - Module 2: Conventional Working Capital Instruments
• Overdrafts, trade credit, factoring, invoice discounting - Module 3: Credit Assessment and Risk Analysis
• Bank risk appetite, client profiling, and documentation - Module 4: Workshop – Structuring a Conventional Credit Line
• Prepare a basic working capital proposal for a case company
Day 2: Shariah-Compliant Structures and Comparison
- Module 1: Principles of Islamic Commercial Financing
• Shariah foundations, profit vs. interest, risk-sharing - Module 2: Islamic Working Capital Instruments
• Murabaha, Tawarruq, Ijara, Salam, and Istisna applications - Module 3: Compliance, Documentation, and Audit Considerations
• Fatwa validation, SPV structures, client education - Module 4: Final Workshop – Structuring a Dual-Financing Strategy
• Design a combined solution using conventional and Shariah tools
Certification
Participants will receive a Certificate of Completion in Working Capital Financing (Conventional / Shariah), validating their ability to analyze, compare, and structure compliant short-term financing strategies across diverse financial systems.