Dinar Investment Company Profile

Background

Overview

Dinar Investment is a Saudi Arabian financial services firm specializing in providing adaptable and Sharia-compliant financing solutions to small and medium-sized enterprises (SMEs). The company aims to bridge the financing gap for these businesses by offering swift and flexible funding options, thereby contributing to the growth and diversification of the Saudi economy.

Mission and Vision

Dinar Investment's mission is to empower SMEs by facilitating their access to the fixed income market, enabling them to secure necessary capital efficiently. The company's vision is to be a pioneer in wealth creation within Saudi Arabia and the region, focusing on profitable and innovative investments that support the economic development of the Kingdom.

Industry Significance

Operating within the financial sector, Dinar Investment plays a pivotal role in enhancing the fixed income market by issuing sukuk (Islamic bonds) for various companies. This initiative not only provides SMEs with essential funding but also offers investors attractive returns, thereby fostering a more robust and diversified financial ecosystem in Saudi Arabia.

Key Strategic Focus

Core Objectives

Empowering SMEs: Facilitate access to financing for small and medium-sized enterprises, enabling their growth and sustainability.

Innovative Financing Solutions: Offer adaptable and Sharia-compliant financial products tailored to the unique needs of each client.

Market Development: Contribute to the development and diversification of the Saudi financial market by introducing new investment avenues.

Areas of Specialization

Sukuk Issuance: Specialize in issuing sukuk to provide SMEs with access to the fixed income market.

Asset Management: Manage a diverse portfolio of investments, focusing on sectors aligned with Saudi Arabia's Vision 2030.

Key Technologies Utilized

Automated Financing Platforms: Implement technology-driven platforms to streamline the financing process, ensuring quick approvals and disbursements.

Sharia Compliance Systems: Utilize specialized systems to ensure all financial products adhere to Islamic principles.

Primary Markets Targeted

Small and Medium-Sized Enterprises (SMEs): Focus on businesses across various sectors seeking flexible and Sharia-compliant financing solutions.

Investors Seeking Sharia-Compliant Products: Attract investors interested in ethical and compliant investment opportunities within the fixed income market.

Financials and Funding

Funding History

As of June 2025, Dinar Investment launched the Dinar Saudi Equity Fund, an open-ended fund targeting medium- to long-term capital growth through active investments in Sharia-compliant stocks listed on the Main and Nomu (Parallel) markets. The fund reached its minimum subscription target of SAR 5 million weeks ahead of its initial closing date, reflecting strong investor interest in Saudi equities.

Recent Funding Rounds

The Dinar Saudi Equity Fund began operations on April 29, 2025, with an initial unit price of SAR 10 (approximately US$2.67) and a minimum investment of SAR 100 (approximately US$26.67). The fund's net asset value (NAV) rose over eight-fold to SAR 54.77 million (approximately US$14.6 million) as of June 22, 2025, indicating robust growth and investor confidence.

Notable Investors

While specific investor names are not publicly disclosed, the fund's rapid growth and substantial NAV suggest participation from a diverse range of investors, including institutional and individual stakeholders interested in Sharia-compliant investment opportunities.

Utilization of Capital

The capital raised through the Dinar Saudi Equity Fund is primarily allocated towards investments in undervalued companies with strong fundamentals and long-term growth potential within the Saudi stock market. The fund also considers initial public offerings (IPOs) as part of its investment strategy, aiming to capitalize on emerging opportunities in the market.

Pipeline Development

Key Pipeline Candidates

Dinar Investment focuses on identifying and investing in SMEs across various sectors, including real estate, food and beverage, agriculture, construction, medical, information technology, telecommunications, retail, oil and gas, tourism, and e-commerce. The company employs a strategic approach to select businesses with high growth potential and alignment with Saudi Arabia's Vision 2030 objectives.

Stages of Development

Seed and Angel Investments: Provide early-stage funding to startups and emerging businesses.

Growth Stage Investments: Offer capital to established SMEs seeking expansion and development.

Target Conditions

High Growth Potential: Focus on businesses with scalable models and significant market opportunities.

Alignment with Vision 2030: Prioritize investments in sectors that contribute to the diversification and development of the Saudi economy.

Anticipated Milestones

Fund Performance: Achieve targeted returns for investors within specified time frames.

Portfolio Expansion: Increase the number of investments in key sectors, contributing to economic growth and diversification.

Technological Platform and Innovation

Proprietary Technologies

Automated Financing Platforms: Develop and utilize platforms that automate the financing process, reducing approval times and enhancing efficiency.

Sharia Compliance Systems: Implement systems to ensure all financial products and investments adhere to Islamic principles.

Significant Scientific Methods

Data Analytics: Employ data-driven approaches to assess market trends, company performance, and investment viability.

Risk Assessment Models: Utilize advanced models to evaluate and mitigate potential investment risks.

Leadership Team

Executive Profiles

Dr. Ahmed bin Suleiman Al-Qafari: Chief Executive Officer & Head of Arranging, leads the strategic direction and operations of Dinar Investment, overseeing the arrangement of financing solutions for clients.

Dr. Omar bin Mohammed Al-Mania: Head of Assets Management, manages the company's asset portfolio, ensuring optimal investment performance and alignment with market opportunities.

Turki Aleidi: Head of Compliance, ensures compliance with regulatory standards and internal policies, maintaining the company's integrity and trustworthiness.

Mr. Azeem Malak: Chief Financial Officer, oversees financial operations including budgeting, financial planning, and reporting, contributing to the company's fiscal health.

Competitor Profile

Market Insights and Dynamics

The Saudi Arabian financial sector is experiencing significant growth, driven by economic diversification efforts and the implementation of Vision 2030. There is an increasing demand for innovative and Sharia-compliant financing solutions, particularly for SMEs seeking to expand and contribute to the national economy.

Competitor Analysis

DueDash Capital Networks: Offers a platform connecting investors with startups, focusing on early-stage funding.

Fast Loan: Provides quick and flexible loan solutions to individuals and businesses.

Investree Thailand: Specializes in peer-to-peer lending, connecting borrowers with investors.

Strategic Collaborations and Partnerships

Dinar Investment has engaged in strategic partnerships to enhance its market position and expand its service offerings. For instance, the company signed an agreement with Asas Makeen Company for Real Estate Development and Investment to establish a real estate fund in Riyadh valued at over 500 million SAR.

Operational Insights

Dinar Investment differentiates itself through its focus on Sharia-compliant financing solutions, catering specifically to the needs of SMEs in Saudi Arabia. The company's use of automated platforms and data-driven decision-making processes enhances operational efficiency and responsiveness to market demands.

Strategic Opportunities and Future Directions

Dinar Investment aims to expand its portfolio by identifying and investing in high-growth SMEs across various sectors aligned with Saudi Arabia's Vision 2030. The company plans to leverage its technological platforms to offer more innovative financing solutions, thereby strengthening its position in the market and contributing to the economic development of the Kingdom.