{"id":558,"date":"2017-04-05T15:08:39","date_gmt":"2017-04-05T15:08:39","guid":{"rendered":"https:\/\/bankislami.com.pk\/?page_id=558"},"modified":"2024-06-06T14:41:04","modified_gmt":"2024-06-06T09:41:04","slug":"financing","status":"publish","type":"page","link":"https:\/\/bankislami.com.pk\/ur\/corporate-banking\/financing\/","title":{"rendered":"\u0641\u0646\u0627\u0646\u0633\u0646\u06af"},"content":{"rendered":"
<\/p>\n
\n

Working Capital Finance:<\/strong><\/p>\n

\u0648\u0631\u06a9\u0646\u06af \u06a9\u06cc\u067e\u0679\u0644 \u0641\u0646\u0627\u0646\u0633<\/span>\u00a0\u0622\u067e \u06a9\u06cc \u0642\u0644\u06cc\u0644 \u0645\u062f\u062a\u06cc \u0641\u0646\u0627\u0646\u0633\u0646\u06af \u06a9\u06cc \u0636\u0631\u0648\u0631\u06cc\u0627\u062a \u06a9\u06d2 \u0644\u06cc\u0626\u06d2.<\/p>\n

\u0648\u0631\u06a9\u0646\u06af \u06a9\u06cc\u067e\u0679\u0644 \u0641\u0646\u0627\u0646\u0633 \u0622\u067e \u06a9\u06cc \u0642\u0644\u06cc\u0644 \u0645\u062f\u062a\u06cc \u0641\u0646\u0627\u0646\u0633\u0646\u06af \u06a9\u06cc \u0636\u0631\u0648\u0631\u06cc\u0627\u062a \u06a9\u06d2 \u0644\u06cc\u0626\u06d2.\n\u0628\u06cc\u0646\u06a9 \u0627\u0633\u0644\u0627\u0645\u06cc \u0645\u06cc\u06ba \u060c \u06c1\u0645 \u0633\u0645\u062c\u06be\u062a\u06d2 \u06c1\u06cc\u06ba \u06a9\u06c1 \u0631\u0648\u0632\u0627\u0646\u06c1 \u0641\u0646\u0688 \u06a9\u06cc \u0636\u0631\u0648\u0631\u06cc\u0627\u062a \u06a9\u0648 \u067e\u0648\u0631\u0627 \u06a9\u0631\u0646\u06d2 \u06a9\u06d2 \u0644\u06cc\u0626\u06d2 \u060c \u0622\u067e \u06a9\u06d2 \u06a9\u0627\u0631\u0648\u0628\u0627\u0631 \u06a9\u0648 \u06a9\u0645 \u0644\u0627\u06af\u062a \u0627\u0648\u0631 \u0644\u0686\u06a9\u062f\u0627\u0631 \u0641\u0646\u0627\u0646\u0633\u0646\u06af \u062a\u06a9 \u0645\u0633\u062a\u0642\u0644 \u0631\u0633\u0627\u0626\u06cc \u06a9\u06cc \u0636\u0631\u0648\u0631\u062a \u06c1\u06d2\u06d4 \u0648\u0633\u06cc\u0639 \u0634\u0639\u0628\u06d2 \u06a9\u06d2 \u062a\u062c\u0631\u0628\u06c1 \u0631\u06a9\u06be\u0646\u06d2 \u0648\u0627\u0644\u06d2 \u062a\u062c\u0631\u0628\u06c1 \u06a9\u0627\u0631 \u0631\u06cc\u0644\u06cc\u0634\u0646\u0634\u067e \u0645\u0646\u06cc\u062c\u0631\u0632 \u06a9\u06cc \u06c1\u0645\u0627\u0631\u06cc \u0679\u06cc\u0645 \u0622\u067e \u06a9\u0648 \u0627\u067e\u0646\u06cc \u0636\u0631\u0648\u0631\u06cc\u0627\u062a \u0627\u0648\u0631 \u0622\u067e \u06a9\u06d2 \u0631\u0633\u06a9 \u067e\u0631\u0648\u0641\u0627\u0626\u0644 \u06a9\u06d2 \u0645\u0646\u0627\u0633\u0628 \u0645\u0627\u0644\u06cc \u0688\u06be\u0627\u0646\u0686\u06d2 \u06a9\u06d2 \u0627\u0646\u062a\u0638\u0627\u0645\u0627\u062a \u06a9\u06d2 \u0630\u0631\u06cc\u0639\u06c1 \u0646\u0642\u062f \u0628\u06c1\u0627\u0624 \u06a9\u06d2 \u0645\u0648\u062b\u0631 \u0627\u0646\u062a\u0638\u0627\u0645 \u06a9\u06cc \u067e\u06cc\u0634 \u06a9\u0634 \u06a9\u0631\u062a\u06cc \u06c1\u06d2\u06d4<\/p>\n

\u06a9\u06cc\u0634 \u0622\u067e \u06a9\u06d2 \u06a9\u0627\u0631\u0648\u0628\u0627\u0631 \u06a9\u06cc \u0632\u0646\u062f\u06af\u06cc \u06c1\u06d2\u06d4 \u0622\u067e \u06a9\u06d2 \u06a9\u0627\u0631\u0648\u0628\u0627\u0631 \u0645\u06cc\u06ba \u06c1\u0645\u0627\u0631\u06cc \u0648\u0631\u06a9\u0646\u06af \u06a9\u06cc\u067e\u06cc\u0679\u0644 \u0641\u0646\u0627\u0646\u0633 \u06a9\u06cc \u0633\u06c1\u0648\u0644\u062a \u06a9\u06d2 \u0633\u0627\u062a\u06be \u0627\u06cc\u06a9 \u062e\u0648\u0634\u062d\u0627\u0644 \u0627\u0648\u0631 \u062e\u0648\u0634\u062d\u0627\u0644 \u0632\u0646\u062f\u06af\u06cc \u06af\u0630\u0627\u0631\u0646\u06d2 \u062f\u0648\u06d4 \u0622\u067e \u06a9\u06d2 \u0648\u0631\u06a9\u0646\u06af \u06a9\u06cc\u067e\u06cc\u0679\u0644 \u0641\u0646\u0627\u0646\u0633\u0646\u06af \u06a9\u06cc \u0636\u0631\u0648\u0631\u06cc\u0627\u062a \u06a9\u0648 \u067e\u0648\u0631\u0627 \u06a9\u0631\u0646\u06d2 \u06a9\u06d2 \u0644\u06cc\u0626\u06d2 \u060c \u0628\u06cc\u0646\u06a9 \u0627\u0633\u0644\u0627\u0645\u06cc \u0645\u0646\u062f\u0631\u062c\u06c1 \u0630\u06cc\u0644 \u06a9\u06d2 \u0645\u0637\u0627\u0628\u0642 \u0648\u0633\u06cc\u0639 \u067e\u06cc\u0645\u0627\u0646\u06d2 \u067e\u0631 \u0645\u0635\u0646\u0648\u0639\u0627\u062a \u067e\u06cc\u0634 \u06a9\u0631\u062a\u0627 \u06c1\u06d2\u06d4<\/p>\n

Murabahah Financing:<\/strong>\u00a0Murabahah is a type of sale in which the seller discloses the cost of goods and profit to the buyer. Through this short-term financing mode, BankIslami can finance the \u2018asset-purchase requirement\u2019 of the Corporate Customers.<\/p>\n

To Understand the Difference between Murabaha and conventional Working Capital Finance kindly\u00a0click<\/a><\/span><\/strong><\/p>\n

Running Musharakah:<\/strong>\u00a0Running Musharakah, being a Shariah compliant alternative to the conventional Running Finance facility, is based on \u2018Shirkat-ul-Aqd\u2019 rules (i.e. profit and loss sharing arrangement). The Bank participates in the operating activities of the Client and shares profit and loss as per the actual performance of the business.<\/p>\n

To Understand the Difference between Running Musharakah and Conventional Running Finance kindly\u00a0click<\/a><\/span><\/strong><\/p>\n

The Customer, intending to utilize the Murabahah facility, identifies the commodities (\u2018assets\u2019) it needs to purchase through Murabahah facility. BankIslami purchases the assets from Supplier and then sells the same to the Corporate Customer against an agreed price (including disclosed profit portion) on deferred payment basis.<\/p>\n

Tijarah Financing:\u00a0<\/strong>Tijarah Financing product aims at fulfilling working capital requirements of the Clients. In this transaction, BankIslami Pakistan Limited (\u2018BankIslami\u2019) purchases assets\/goods, that are available for sale, from the Client against an agreed purchase price on spot basis. BankIslami then under separate arrangement appoints the Client its Agent to sell the goods in the market at a higher price to earn its desired profit.<\/p>\n

Istisna Financing:<\/strong>\u00a0Istisna is a contract of sale of specified items to be manufactured\/constructed, with an obligation on the part of the manufacturer\/seller to deliver them to the buyer upon completion.<\/p>\n

\u0627\u0633\u0633\u062a\u0633\u0646\u0627 \u0641\u0646\u0627\u0646\u0633\u0646\u06af: \u0627\u0633\u062a\u06cc\u0633\u0646\u0627 \u0645\u062e\u0635\u0648\u0635 \u0627\u0634\u06cc\u0627 \u06a9\u06cc \u062a\u06cc\u0627\u0631\u06cc \/ \u062a\u0639\u0645\u06cc\u0631 \u06a9\u06cc \u0641\u0631\u0648\u062e\u062a \u06a9\u0627 \u0645\u0639\u0627\u06c1\u062f\u06c1 \u06c1\u06d2 \u060c \u062c\u0633 \u067e\u0631 \u06a9\u0627\u0631\u062e\u0627\u0646\u06c1 \u062f\u0627\u0631 \/ \u0628\u06cc\u0686\u0646\u06d2 \u0648\u0627\u0644\u06d2 \u06a9\u06cc \u062a\u06a9\u0645\u06cc\u0644 \u06a9\u06d2 \u0628\u0639\u062f \u062e\u0631\u06cc\u062f\u0627\u0631 \u06a9\u0648 \u0627\u0646 \u06a9\u06cc \u0641\u0631\u0627\u06c1\u0645\u06cc \u06a9\u06cc \u0630\u0645\u06c1 \u062f\u0627\u0631\u06cc \u0639\u0627\u0626\u062f \u06c1\u0648\u062a\u06cc \u06c1\u06d2\u06d4<\/p>\n

To Understand the Difference between Istisna and conventional Working Capital Finance kindly\u00a0<\/strong>click\u00a0<\/strong><\/a><\/span><\/p>\n

Salam Financing:<\/strong>\u00a0Salam is a sale, whereby, the seller undertakes to supply some specific commodity to the buyer at a future date in exchange for an advanced price fully paid on the spot. As a matter of principle, the sale of a commodity which is not in the possession of the seller is unlawful. Thus, the practice of Salam is legalized as an exception and is allowed under certain terms and conditions.<\/p>\n

\u0633\u0644\u0627\u0645 \u0635\u0631\u0641 \u0627\u0646 \u0627\u0634\u06cc\u0627\u0621 \u06a9\u06d2 \u0644\u0626\u06d2 \u06a9\u06cc \u0627\u062c\u0627\u0632\u062a \u06c1\u06d2 \u062c\u0648 \u0641\u0637\u0631\u062a \u0645\u06cc\u06ba \u06cc\u06a9\u0633\u0627\u06ba \u0627\u0648\u0631 \u0641\u0646\u06af\u0633 \u06c1\u0648\u06ba \u06cc\u0639\u0646\u06cc \u0627\u0634\u06cc\u0627\u0621 \u06a9\u06cc \u06c1\u0631 \u0627\u06a9\u0627\u0626\u06cc \u0641\u0637\u0631\u062a \u0645\u06cc\u06ba \u06cc\u06a9\u0633\u0627\u06ba \u0627\u0648\u0631 \u0645\u062a\u0628\u0627\u062f\u0644 \u06c1\u0648\u0646\u0627 \u0686\u0627\u06c1\u0626\u06d2 \u062c\u06cc\u0633\u06d2\u06d4 \u0686\u06cc\u0646\u06cc \u060c \u0686\u0627\u0648\u0644 \u060c \u06af\u0646\u062f\u0645 \u0648\u063a\u06cc\u0631\u06c1 \u0644\u06c1\u0630\u0627 \u060c \u0633\u0644\u0627\u0645 \u0632\u0631\u0639\u06cc \u062e\u062f\u0634\u0627\u062a \u06a9\u06d2 \u0644\u06cc\u0626\u06d2 \u0645\u0627\u0644\u06cc \u0627\u0639\u0627\u0646\u062a \u06a9\u0627 \u0627\u06cc\u06a9 \u0645\u062b\u0627\u0644\u06cc \u0637\u0631\u06cc\u0642\u06c1 \u06c1\u06d2\u06d4 \u0633\u0644\u0627\u0645 \u06a9\u06cc \u0645\u0627\u0644\u06cc \u0627\u0639\u0627\u0646\u062a \u0628\u06be\u06cc \u06cc\u06a9\u0633\u0627\u06ba \u0627\u0634\u06cc\u0627 \u0645\u06cc\u06ba \u06a9\u0627\u0631\u0648\u0628\u0627\u0631 \u06a9\u0631\u0646\u06d2 \u0648\u0627\u0644\u06d2 \u0645\u06cc\u0646\u0648\u0641\u06cc\u06a9\u0686\u0631\u0631\u0632 \/ \u062a\u0627\u062c\u0631\u0648\u06ba \u06a9\u06cc \u062a\u0645\u0627\u0645 \u06a9\u0627\u0631\u0622\u0645\u062f\u06cc \u0633\u0631\u0645\u0627\u06cc\u06cc \u0636\u0631\u0648\u0631\u06cc\u0627\u062a \u06a9\u0648 \u067e\u0648\u0631\u0627 \u06a9\u0631\u0633\u06a9\u062a\u06cc \u06c1\u06d2\u06d4<\/p>\n

To Understand the Difference between Salam and conventional Working Capital Finance kindly\u00a0click<\/a><\/span><\/strong><\/p>\n

Long Term Finance: <\/strong><\/p>\n

\u067e\u0631\u0648\u062c\u06cc\u06a9\u0679 \u0641\u0646\u0627\u0646\u0633<\/span>\u00a0\u0622\u067e \u06a9\u06cc \u062f\u0631\u0645\u06cc\u0627\u0646\u06cc \u0627\u0648\u0631 \u0637\u0648\u06cc\u0644 \u0645\u062f\u062a\u06cc \u0641\u0646\u0627\u0646\u0633\u0646\u06af \u06a9\u06cc \u0636\u0631\u0648\u0631\u06cc\u0627\u062a \u06a9\u06d2 \u0644\u06cc\u0626\u06d2.<\/p>\n

\u0628\u06cc\u0646\u06a9 \u0627\u0633\u0644\u0627\u0645\u06cc \u0628\u0631\u0627\u06c1 \u0631\u0627\u0633\u062a \u06cc\u0627 \u0633\u0646\u0688\u06cc\u06a9\u06cc\u0634\u0646 \u06a9\u06cc \u0628\u0646\u06cc\u0627\u062f \u067e\u0631 \u062a\u0645\u0627\u0645 \u0634\u0639\u0628\u0648\u06ba \u0645\u06cc\u06ba \u0627\u0646\u0641\u0631\u0627\u0633\u0679\u0631\u06a9\u0686\u0631 \u060c \u0628\u06cc \u0627\u06cc\u0645 \u0622\u0631 \u0627\u0648\u0631 \u0635\u0646\u0639\u062a\u06cc \u0645\u0646\u0635\u0648\u0628\u0648\u06ba \u06a9\u06d2 \u0644\u0626\u06d2 \u062f\u0631\u0645\u06cc\u0627\u0646\u06d2 \u0627\u0648\u0631 \u0637\u0648\u06cc\u0644 \u0645\u062f\u062a\u06cc \u0645\u0627\u0644\u06cc \u0627\u0639\u0627\u0646\u062a \u0641\u0631\u0627\u06c1\u0645 \u06a9\u0631\u062a\u0627 \u06c1\u06d2\u06d4<\/p>\n

Ijarah:<\/strong>\u00a0Ijarah is a contract, whereby, BankIslami will lease out an asset to the Corporate Client and receive periodical rentals from the Client for the use of that asset. The asset will remain in the ownership of the Bank throughout the term of Ijarah. At the end of the Ijarah term, the asset can be purchased by the Client at an agreed price.<\/p>\n

\u0627\u062c\u0627\u0631\u06c1 \u0628\u0646\u06cc\u0627\u062f\u06cc \u0637\u0648\u0631 \u067e\u0631 \u0628\u0646\u06cc\u0627\u062f\u06cc \u0688\u06be\u0627\u0646\u0686\u06d2 \u060c \u0628\u06cc \u0627\u06cc\u0645 \u0622\u0631 \u0627\u0648\u0631 \u0635\u0646\u0639\u062a\u06cc \u0645\u0646\u0635\u0648\u0628\u0648\u06ba \u06a9\u06d2 \u0644\u0626\u06d2 \u0637\u0648\u06cc\u0644 \u0627\u0648\u0631 \u062f\u0631\u0645\u06cc\u0627\u0646\u06cc \u0645\u062f\u062a \u06a9\u06d2 \u0641\u06a9\u0633\u0688 \u0627\u062b\u0627\u062b\u06c1 \u06a9\u06cc \u0645\u0627\u0644\u06cc \u0627\u0639\u0627\u0646\u062a \u06a9\u06d2 \u0644\u0626\u06d2 \u0627\u0633\u062a\u0639\u0645\u0627\u0644 \u06c1\u0648\u062a\u0627 \u06c1\u06d2\u06d4<\/p>\n

To Understand the Difference between Ijarah and conventional Lease kindly\u00a0click<\/a><\/span><\/strong><\/p>\n

Diminishing Musharakah:<\/strong>\u00a0The product of Diminishing Musharakah is offered on the basis of \u2018Shirkat-ul-Milk\u2019. Shirkat-ul-Milk means partnership of persons in an undivided property. Process of Diminishing Musharakah financing involves BankIslami taking share in the ownership of a specific asset along with the Corporate Client and then gradual purchase of the Client of BankIslami\u2019s ownership share in the asset through out the term of Diminishing Musharakah. At the end of the Diminishing Musharakah term, Client becomes the sole owner of the asset.<\/p>\n

\u0645\u0634\u0627\u0631\u06a9\u06c1 \u06a9\u0648 \u062e\u062a\u0645 \u06a9\u0631\u0646\u0627 \u0628\u0646\u06cc\u0627\u062f\u06cc \u0637\u0648\u0631 \u067e\u0631 \u0628\u0646\u06cc\u0627\u062f\u06cc \u0688\u06be\u0627\u0646\u0686\u06d2 \u060c \u0628\u06cc \u0627\u06cc\u0645 \u0622\u0631 \u0627\u0648\u0631 \u0635\u0646\u0639\u062a\u06cc \u0645\u0646\u0635\u0648\u0628\u0648\u06ba \u06a9\u06d2 \u0644\u06cc\u0626\u06d2 \u0637\u0648\u06cc\u0644 \u0627\u0648\u0631 \u062f\u0631\u0645\u06cc\u0627\u0646\u06cc \u0645\u062f\u062a \u06a9\u06d2 \u0641\u06a9\u0633\u0688 \u0627\u062b\u0627\u062b\u06c1 \u06a9\u06cc \u0645\u0627\u0644\u06cc \u0627\u0639\u0627\u0646\u062a \u06a9\u06d2 \u0644\u0626\u06d2 \u0627\u0633\u062a\u0639\u0645\u0627\u0644 \u06c1\u0648\u062a\u0627 \u06c1\u06d2\u06d4 \u062c\u0627\u0626\u062f\u0627\u062f \u0627\u0645\u0644\u0627\u06a9 \u06a9\u06cc \u0645\u0627\u0644\u06cc \u0627\u0639\u0627\u0646\u062a \u06a9\u06d2 \u0644\u06cc\u0626\u06d2 \u0645\u0634\u0627\u0631\u06a9\u06c1 \u06a9\u0627 \u062e\u0627\u062a\u0645\u06c1 \u0628\u06be\u06cc \u0627\u06cc\u06a9 \u0645\u062b\u0627\u0644\u06cc \u0645\u0648\u0688 \u06c1\u06d2\u06d4<\/p>\n

To Understand the Difference between Diminishing Musharakah and Conventional Long Term Financing kindly\u00a0click<\/a><\/span><\/strong><\/p>\n<\/div>\n

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