طراحی سایت
Facilities
Credit Facilities through Islamic Contracts
Bank Keshavarzi plays an important role in meeting needs of agricultural producers, food-processing industries, commercial sub-sector in agriculture, and associated services. The distribution of credit in BK is proportioned to credit-absorbing capacities in sub-sectors of the agriculture sector and through various Islamic contracts and according to Riba free banking operations which are mostly in the form of installment sales (31.5%) and civil partnership (43.7).
 
 
Objectives
Contribution to production, employment, development of the agriculture sector and associated activities
 
Service Types
Types of credit facilities granted based on Islamic contracts:
  • Qard-Al-Hassanah Credit Facilities
  • Civil Partnership
  • Installment Sale
  • Hire purchase
  • Forward Transactions
  • Factoring and
  • Types of Credit Facilities based on Resources Use
    • Fixed investment
    • Working Capital
    • Operating =Costs
 
Accessibility: Applying for credit facilities by customers and receiving the requested credit within branches working hours.
 
Clients: All natural and legal persons, whose legal competence and projects have been justified and approved.
 
Delivery Mode: Through BK nation-wide branches

 
                                                      Break-down of BK Facilities by Islamic Contracts
 
          Year
Contract
2010-2011
2009-2010
Amount
Share (%)
Amount
Share (%)
Civil Partnership (JV)
41,147
43.7
21,573
31.9
Installment Sale
29,700
31.5
27,511
7.40
Mudharabah
10,662
11.3
6708
9.9
Forward
6,661
7.1
6,685
9.9
Qard-al-Hassanah
5,459
5.8
4741
7
Jo'alah
386
0.4
287
0.4
Hire Purchase
223
0.2
128
0.2
Total
94,238
100
67,633
100