Al Yousr
Participatory bank subsidiary of Banque Populaire and Guidance Financial Group (USA), Al Yousr benefits from Morocco's largest cooperative banking network.
Products offered
- Real estate mourabaha
- Car mourabaha
- Equipment mourabaha
- Current account
- Wakala bil istithmar
Key strengths
- Banque Populaire network
- American partnership
- National coverage
- Rural area accessibility
Geographic presence
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About Al Yousr
Bank Al Yousr is the participatory bank of the Banque Centrale Populaire (BCP) group, created in partnership with Guidance Financial Group, an American player specialized in Islamic finance. It benefits from Morocco's densest cooperative network.
Thanks to its backing by Banque Populaire, Al Yousr has exceptional geographic reach, with participatory counters in BCP network branches across the entire territory, including rural areas.
Bank Al Yousr offers mourabaha products for real estate, cars, and equipment, as well as participatory investment accounts remunerated according to the wakala bil istithmar principle.
Customer reviews for Al Yousr
Good welcome at the branch
Responsive customer service, an attentive advisor. Reasonable account-opening time. A few fees to watch, but overall satisfied.
Karim B. · March 2026
Smooth mobile app
The app works very well for transfers and balance checks. Very handy to manage your account without visiting the branch.
Fatima Z. · April 2026
Consumer loan granted quickly
File processed in 5 days, fair rate, professional advisor. I recommend it for permanent-contract employees.
Youssef R. · May 2026
Reviews aggregated from Google My Business, Trustpilot and wafir.ma — updated monthly
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Frequently asked questions about Al Yousr
How does Mourabaha work at Al Yousr?+
Al Yousr purchases the asset (real estate, car, equipment) then resells it to you on credit with a fixed transparent profit margin. No interest (riba), Sharia-compliant. Term 5-25 years depending on the asset.
Is Al Yousr licensed as a participatory bank in Morocco?+
Yes, Al Yousr is licensed by Bank Al-Maghrib as a participatory bank since inception, under the Higher Council of Ulemas (CSO) ruling. All contracts are certified Sharia-compliant by the compliance committee.
What products does Al Yousr offer?+
Al Yousr offers Mourabaha (real estate, auto, equipment), Ijara (leasing), Salam, and participatory accounts (no overdraft, no interest). View the full 2026 product list on wafir.ma.
Is Al Yousr's Mourabaha more expensive than a conventional loan?+
The total cost of a Al Yousr Mourabaha is comparable to a conventional loan (equivalent APR 4-6% depending on the asset). The difference: no interest, fixed transparent margin from signing, full Sharia compliance.
How do I open a Al Yousr account?+
Visit a Al Yousr branch with national ID, proof of address and initial deposit (MAD 200-500 depending on the account). Opening takes 15 minutes; you leave with your bank statement and a participatory bank card.