It is a portfolio that operates with the Islamic Finance Mechanism (Murabaha contract) aiming to increase the sense of responsibility on the beneficiaries as studies have shown that the beneficiaries of the funds that contain a certain revenue (interest or Murabaha) have a higher sense of responsibility and thus their projects succeed better being more serious about managing it, and also this portfolio is a good financial resource for Hayat Fund, through which a portion of operating expenses are covered and thus maintaining the financing portfolio from erosion and melting in operational and financial expenses