Askari Islamic Agri Financing Askari Islamic Agri Financing

Two Pronged Product Marketing & Branding Strategyfor Islamic Agri Products Financing

1. Providing Halal Equivalents

of existing Agricultural Products

2. Promoting Facilities

based on Islamic Modes

Documentation Processing

1. Transaction Documentation – changed completely to Shariah Compliant basis

(based primarily on SBP Model agreements)

2. Security Documentation – remains primarily unchanged

Branding: Askari Agri Products Existing Products and Islamic Equivalents

Existing Agri Products New Askari Islamic Agri Products

1. Askari Kissan Evergreen Agriculture Finance

Askari Kissan Halal Agriculture Finance

2. Askari Kissan Farm Tractor Finance

Askari Kissan Halal Tractor Finance

3. Askari Kissan Farm Transport Finance

Askari Kissan Halal Transport Finance

4. Askari Kissan Farm Mechanisation Finance

Askari Kissan Halal Mechanisation Finance

5. Askari Kissan Livestock Finance Askari Kissan Halal Livestock Finance

6. Askari Kissan Aabpashi Finance Askari Kissan Halal Aabpashi Finance

Askari Islamic Agri Products – Key Features

Askari Kissan Halal Agriculture Finance

Askari Kissan Halal Tractor Finance

Askari Kissan Halal Transport Finance

Askari Kissan Halal Mechanization Finance

Askari Kissan Halal Abpashi Finance

Askari Kissan Halal Livestock Fin.

Underlying Underlying Islamic Islamic

ModeMode

Murabahah/ Salam/ Diminishing Musharakah

Ijarah / Diminishing Musharakah

Ijarah / Diminishing Musharakah

Ijarah / Diminishing Musharakah

Istisna’a/ Diminishing Musharakah

Murabahah

NATURE NATURE

/ PERIOD/ PERIODShort Term Short Term to Medium to Medium Term Term Working Working Capital Capital

Upto 3 yearsUpto 3 years

Long Term Long Term Tractor Tractor Financing Financing

Upto 5 yearsUpto 5 years

Long Term Long Term Vehicle Vehicle FinancingFinancing

Upto 5 yearsUpto 5 years

Long Term Long Term Machinery & Machinery & Equipment Equipment Financing Financing Upto 5 yearsUpto 5 years

Long Term Long Term Water Water ArrangementArrangements s

FinancingFinancing

Upto 5 yearsUpto 5 years

Livestock Livestock FinancingFinancing

Upto 1 yearUpto 1 year

LIMITLIMIT Individual Individual 3.0 M3.0 M

Corporate Corporate 10.0 M10.0 M

Individual Individual 3.0 M3.0 M

Corporate Corporate 10.0 M10.0 M

Individual Individual 3.0 M3.0 M

Corporate Corporate 10.0 M10.0 M

Individual Individual 3.0 M3.0 M

Corporate Corporate 10.0 M10.0 M

Individual Individual 3.0 M3.0 M

Corporate Corporate 10.0 M10.0 M

Individual Individual 3.0 M3.0 M

Corporate Corporate 10.0 M10.0 M

PURPOSEPURPOSE Purchase of Purchase of Seed, Seed, Fertilizer, Fertilizer, Pesticides Pesticides and other and other farming farming productsproducts

Tractor Tractor FinanceFinance

Motor Cycles/ Motor Cycles/

VansVans

/Pick-ups & /Pick-ups & Carriers Carriers FinanceFinance

Installation of Installation of Agri based Agri based Machinery Machinery and and EquipmentEquipment

Installation of Installation of Tube Wells Tube Wells and Water and Water Distribution Distribution SystemsSystems

Fattening of Fattening of LivestockLivestock

PERIODPERIOD 3 Years3 Years Funded 5 Funded 5 yearsyears

Non-funded 2 Non-funded 2 yearsyears

Funded 5 Funded 5 yearsyears

5 years5 years 5 years5 years 4 years4 years

Main Halal Modes Branding for Askari’s Islamic Agri Products

1. Askari Kissan Halal Murabahah Financing

2. Askari Kissan Halal Salam Financing

3. Askari Kissan Halal Ijarah Financing

4. Askari Kissan Halal Istisna’a Financing

5. Askari Kissan Halal Diminishing Musharakah

MurabahahMurabahah

Purchase of inputs for crop production i.e.a) Seedsb) Fertilizerc) Insecticides d) Herbicidese) Weedicidesf) Manual Sprayersg) Sericultureh) Apiculture

Farm Mechanization Financing i.e.a) Purchase of agri implements, equipment i.e. Trailers & Threshersb) Power tillerc) Power & Boom sprayerd) Ploughe) Cultivatorsf) Rigers / drillsg) Rotavatorsh) Driggersi) Cotton Picker

j) Saw machines for crate makingk) Press machines for wheat straw and dry fodderl) Chiesel ploughsm) Potato plantern) Sugarcane plantero) Rice trance planter p) Self propelled reaper for harvesting wheat and rice crops

Livestock Financing Includes:a) Purchase of cattle, buffaloes, sheep etc.b) Construction of sheds, storeroom etc.

Aabpashi Financing:Installation of Tube wells / Turbine, Sprinkle / drip system, water

management, solar energy plants, pumps for irrigation system.

Poultry Financing

Fish Farming

Dairy Farming (Milk processing plants, other machineries etc.)

SalamSalam

1. Labor Charges, electricity charges and maintenance of farm machinery / implements.

2. Lining of water courses, Cost of land leveling.

3. Different working capital requirements and running expenses.

IjarahIjarah

Farm Mechanization Financing i.e.• Purchase of agri implements, equipment i.e. Trailers & Threshers• Power tiller• Power & Boom sprayer• Plough• Cultivators• Rigers / drills• Rotavators• Driggers• Cotton Picker• Saw machines for crate making• Press machines for wheat straw and dry fodder• Chiesel ploughs• Potato planter• Sugarcane planter• Rice trance planter• Self propelled reaper for harvesting wheat and rice crops

Transport Financing including

• Purchase of tractors• Refrigeration vans• Farm cooling tanks• Motorcycels for milking• Small pickups• Mini trucks and chiller carriers

Aabpashi Financing:Installation of Tube wells / Turbine, Sprinkle / drip system, water

management, solar energy plants, pumps for irrigation system.

Dairy Farming (Milk processing plants, other machineries etc.)

Diminishing MusharkahDiminishing Musharkah

Transport Financing including

a) Purchase of tractorsb) Refrigeration vansc) Farm cooling tanksd) Motorcycles for milkmane) Small pickupsf) Mini trucks and chiller carriers

Livestock Financing Includes:a) Purchase of cattle, buffaloes, sheep etc.b) Construction of sheds, storeroom etc.

Land / forest development and enhancement.

Poultry farming

Fish farming

Dairy Farming (Milk processing Plants, other machineries etc)

Establishing of Green Houses

Construction of godowns and cold storage

Development of Dairy & Livestock farms

Construction and improvement of livestock laboratories

Setting up seeds processing and milk chilling units

Installation of fruit and vegetable machinery

Istisna’a / Diminishing MusharkahIstisna’a / Diminishing Musharkah

Jaza-kum-Allah-e-KhairJaza-kum-Allah-e-Khair