Taqwa has prepared many schemes for benefit of the general public, and Lease Finance is also one of such schemes. One of the basic objecves of Taqwa is to make weaker and poorer secon of the society economically sound and stable. As per the procedure of this scheme if someone is in need of any vehicle or machinery and he/she doesn't have the required amount, then Taqwa will provide the financial assistance to him/her on the basis of 'Ijara'. Under the lease finance facility only those items can be purchased which are depreciable in nature. For example: If Taqwa provides AFN 20,000/- to someone to purchase a vehicle/machine, as per the agreement the ownership of the vehicle will be in the name of Taqwa only. And aer fixing the monthly rent AFN 1000/- from customer's side, the vehicle will be handed over to the customer. If he pays a sum of AFN 1000/- monthly as rent, the total amount which was financed will be recovered in 20 months. With this, the 'Ijara' agreement can be terminated. Now, if the customer desires, he has opon to buy the vehicle on current market rate and transfer the ownership documents into his name. A processing fee of AFN 500/- and documentaon fee of minimum AFN 500/- or maximum 1% of the value will be charged to the customer.

• Financing term is 2 years.
• Profit rate is branch cost + 5 %.
• Lessee participation is 30%.
• Processing fee is AFN 500/-.
• Documentation fee is minimum AFN. 500/- max 1% of the value.
• No hidden cost.All hidden benefits.
• Sharia term is Ijara.

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