This fatwa acknowledges that shari'a financial institutes need to respond to the need in society for multi-service financing. It states that multi-service financing is permissible if executed pursuant to an Ijarah or Kafalah agreement. If either of these two types of agreement are used, the shari'a financial institute facilitating the agreement may charge a fee (ujrah), the quantum of which is to be nominal and agreed upon by the parties at the time the agreement is executed.