The basic principle of Shariah based banking & microfinance. It contains prohibition of interest, care for the poor is a religious obligation in Islam, asset based financing, risk sharing, sanctity of contracts, financing in halal/Shariah complaint activities, prohibition of speculative behaviour (gharar), and micro takaful ( micro Islamic insurance). Utilization of Halal Industry is that “Salam” is ideal product for Agricultural Financing,  it can also utilize for other business purposes as well.