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LEASE (FINANCE LEASING)
Under the Ijara model of Islamic finance, an asset of the client's choice is purchased by the company and leased to the client for a certain period of time. At the end of the term, the asset becomes the property of the client. Instead of interest, a rental fee is applied. The main asset categories for which Ijara services will be provided:
- Passenger cars
- Commercial transportation
- Special techniques
- Production equipment
- Agricultural machinery
MURABAHA FINANCING
Under the Murabaha model, the company purchases the requested product on behalf of the customer and then sells it to the customer in installments by adding a pre-agreed profit margin. This model is completely transparent and interest-free, so it is fully compliant with Islamic rules. Main product categories eligible for Murabaha financing:
- Home appliances
- Furniture
- Electronics
- Commercial equipment
- Small business needs