Animal Agriculture Sector
First: the agricultural sector
1- wheat crop | ||||||||||
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The Idea | The product includes the preparation and cultivation of the wheat crop, agricultural operations, agricultural guidance and the required mechanisms | |||||||||
the Description | Capital financing and operating financing | |||||||||
Sector | agricultural | |||||||||
Target Segment | Small farmers and agricultural land owners | |||||||||
Financing Formula | Murabaha: for operational financing
Contracting: capital financing, any suitable Islamic formula | |||||||||
Financing period | 9-10 months maximum for one season | |||||||||
The Grace Period | 8-9 months maximum for one season | |||||||||
Method of Payment | Seasonal cultivation (end of the financing period). | |||||||||
Conditions for Granting Funding | Existence of a site to practice the activity (owned / rent / possession)
Having a certificate of practicing agricultural activity | |||||||||
Target States | States concerned with the cultivation of the wheat crop | |||||||||
Financing Methodology | individual/group | |||||||||
Warranties | In the case of individual/partnership/group financing: guarantor check, compulsory project insurance, salary, pension, mortgage, etc.
In the case of associations: external guarantee checks from the three officers + a third-party guarantee check + insurance + a check from the association’s account. If the direct storage guarantee is accepted, a declaration must be written not to dispose of the product until the company is informed or until payment. | |||||||||
2- Winter crops | ||||||||||
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The Idea | The product includes all agricultural sector projects represented in irrigated agriculture, greenhouse products, nursery products, forest products, agricultural services and machinery. | |||||||||
The Description | Capital Financing,
Operational Financing. | |||||||||
Sector | agriculture | |||||||||
Target Segment | Small farmers and agricultural land owners | |||||||||
Financing Formula | Murabaha: for operational financing Contracting: capital financing any suitable Islamic formula | |||||||||
Financing Period | 7 months max per season | |||||||||
The Grace Period | 6 months maximum for one season | |||||||||
Method of Payment | Monthly/ end payment | |||||||||
Conditions for Granting Funding | Existence of a site for practicing the activity (owned / rented / possession)
Having a certificate of practicing agricultural activity | |||||||||
Target states | All states of Sudan | |||||||||
Financing Methodology | individual/group | |||||||||
Warranties | In the case of individual/partnership/group financing: guarantor check, compulsory project insurance, salary, pension, mortgage, etc.
In the case of associations: external guarantee checks from the three officers + a third party guarantee check + insurance + a check from the association’s account. If the direct storage guarantee is accepted, a declaration must be written not to dispose of the product until the company is informed or until payment. | |||||||||
3- Summer Farming | ||||||||||
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The Idea | The product includes all agricultural sector projects represented in irrigated agriculture, greenhouse products, nurseries products, forest products, services and agricultural machinery. | |||||||||
The Description | Capital Financing and Operational Financing. | |||||||||
Sector | agriculture | |||||||||
Target Segment | Small farmers and agricultural land owners | |||||||||
Financing Formula | Murabaha: for operational financing Contracting: capital financing Any suitable Islamic formula | |||||||||
Financing Period | 6 months maximum for one season | |||||||||
The Grace Period | 5 months maximum for one season | |||||||||
Method of Payment | Monthly/end payment | |||||||||
Conditions for Granting Funding | Existence of a site for practicing the activity (owned / rented / possession)
Having a certificate of practicing agricultural activity | |||||||||
Target States | All states of Sudan | |||||||||
Financing Methodology | individual/group | |||||||||
Warranties | In the case of individual/partnership/group financing: guarantor check, compulsory project insurance, salary, pension, mortgage, etc.
In the case of associations: external guarantee checks from the three officers + a third party guarantee check + insurance + a check from the association’s account. If the direct storage guarantee is accepted, a declaration must be written not to dispose of the product until the company is informed or until payment. | |||||||||
4- Rain-Fed Agriculture | ||||||||||
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The Idea | The product includes all agricultural sector projects, including rain-fed agriculture, forest products, services and agricultural machinery. | |||||||||
The Description | Capital financing and operational financing. | |||||||||
Sector | agriculture | |||||||||
Target Segment | Small farmers and agricultural land owners | |||||||||
Financing Formula | Murabaha: for operational financing Contracting: capital financing Any suitable Islamic formula | |||||||||
Financing Period | 7 months max per season | |||||||||
The Grace Period | 6 months maximum for one season | |||||||||
Method of Payment | Seasonal for cultivation (end of funding period) | |||||||||
Conditions for Granting Funding | Existence of a site for practicing the activity (owned / rented / possession)
Having a certificate of practicing agricultural activity | |||||||||
Target States | All states of Sudan | |||||||||
Financing Methodology | individual/group | |||||||||
Warranties | In the case of individual/partnership/group financing: guarantor check, compulsory project insurance, salary, pension, mortgage, etc.
In the case of associations: external guarantee checks from the three officers + a third party guarantee check + insurance + a check from the association’s account. If the direct storage guarantee is accepted, a declaration must be written not to dispose of the product until the company is informed or until payment. | |||||||||
5- Agricultural Machinery Product | ||||||||||
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The Idea | The product includes all the mechanisms that are used in the agricultural sector projects | |||||||||
The Description | It is the purchase of the machinery used in the agricultural sector projects, such as tractors – plowing mechanisms – combine harvesters (trailers + tractors and their accessories + axles + various irrigation systems..etc) | |||||||||
Sector | agriculture | |||||||||
Target Segment | Farmers and owners of agricultural land or who want to own assets or activate their assets | |||||||||
Financing Formula | Ijarah Muntahia Bittamleek in the case of machinery, Murabaha for accessories, taking into account the use of other best Islamic formulas based on the nature of the project | |||||||||
Financing Period | 24 – 36 months maximum (determined in particular according to the study, the cash flow of the project) | |||||||||
The Grace Period | 5 months max | |||||||||
Method of Payment | Monthly / every three months (determined according to the cash flow of the project) | |||||||||
Conditions for Granting Funding | – The presence of an import/search certificate for the vehicle.
Financing for this product is carried out within the value chain system so that the beneficiary of the product has been financed by agricultural financing in the case of financing mobile assets. Payment of 25% of the total financing amount as an advance – deposited in the client’s account (in the case of financing mobile assets). | |||||||||
Target States | All states of Sudan | |||||||||
Financing Methodology | individual/group | |||||||||
Warranties | In the case of individual/partnership/group financing: guarantor check, compulsory project insurance, salary, pension, mortgage, etc.
In the case of associations: external guarantee checks from the three officers + a third party guarantee check + insurance + a check from the association’s account. If the direct storage guarantee is accepted, a declaration must be written not to dispose of the product until the company is informed or until payment. | |||||||||
6- Banana Product | ||||||||||
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The Idea | The product includes cultivation, harvesting and other services related to the product | |||||||||
The description | Capital financing and operational financing. | |||||||||
Sector | agriculture | |||||||||
target Segment | Small farmers and agricultural land owners. | |||||||||
Financing Formula | Murabaha: for operational financing. Contracting: capital financing. Any suitable Islamic formula. | |||||||||
Financing Period | 24 months max | |||||||||
The Grace Period | A maximum of 9 months in the case of financing for the purpose of agriculture | |||||||||
Method of Payment | monthly | |||||||||
Conditions for Granting Funding | – The presence of a certificate of import / search for the vehicle.
Financing for this product is carried out within the value chain system so that the beneficiary of the product has been financed by agricultural financing in the case of financing mobile assets. Payment of 25% of the total financing amount as an advance – deposited in the client’s account (in the case of financing mobile assets). | |||||||||
Target States | All states of Sudan | |||||||||
Financing Methodology | individual/group | |||||||||
Warranties | In the case of individual/partnership/group financing: guarantor check, compulsory project insurance, salary, pension, mortgage, etc.
In the case of associations: external guarantee checks from the three officers + a third party guarantee check + insurance + a check from the association’s account. If the direct storage guarantee is accepted, a declaration must be written not to dispose of the product until the company is informed or until payment. | |||||||||
Second: The Animal Sector
1- Raising Cows | ||||||||||
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The Idea | The product includes all cow breeding projects. | |||||||||
The Description | Capital financing and operating financing. | |||||||||
Sector | animal. | |||||||||
Target Segment | Experts/specialists/beneficiaries of financing. | |||||||||
Financing Formula | Murabaha: for operational financing (cows, fodder, etc.). Contracting: capital financing (construction operations) Any suitable Islamic formula | |||||||||
Financing Period | A maximum of two years, depending on the study in particular and the cash flows of the project | |||||||||
The Grace Period | A maximum of two months. | |||||||||
Method of Payment | monthly | |||||||||
Conditions for Granting Funding | Existence of a site for practicing the activity (owned / rented / possessed / hosted).
Certificate of practicing the activity | |||||||||
Target States | all states of Sudan | |||||||||
Financing Methodology | individual/group | |||||||||
Warranties | In the case of individual/partnership/group financing: guarantor check, compulsory project insurance, salary, pension, mortgage, etc.
In the case of associations: external guarantee checks from the three officers + a third-party guarantee check + insurance + a check from the association’s account. If the direct storage guarantee is accepted, a declaration must be written not to dispose of the product until the company is informed or until payment. | |||||||||
2- Fattening Calves | ||||||||||
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The Idea | The product includes the purchase of calves for fattening. | |||||||||
The Description | Operating and capital financing | |||||||||
Sector | animal | |||||||||
Target Segment | Experts/specialists/beneficiaries of financing. | |||||||||
Financing Formula | Murabaha: for operational financing (cows, fodder, etc.). Contracting: capital financing (construction operations) Any suitable Islamic formula | |||||||||
Financing Period | A maximum of 4 months for a single cycle of operational financing, and a period not exceeding two years for capital financing, according to the study and cash flows of the project. | |||||||||
The Grace Period | A maximum of 3 months. | |||||||||
Method of Payment | Monthly, every three months, at the end of the course. | |||||||||
Conditions for Granting Funding | Existence of a site for practicing the activity (owned / rented / possessed / hosted).
Certificate of practicing the activity | |||||||||
Target States | all states of Sudan | |||||||||
Financing Methodology | individual/group | |||||||||
Warranties | In the case of individual/partnership/group financing: guarantor check, compulsory project insurance, salary, pension, mortgage, etc.
In the case of associations: external guarantee checks from the three officers + a third-party guarantee check + insurance + a check from the association’s account. If the direct storage guarantee is accepted, a declaration must be written not to dispose of the product until the company is informed or until payment. | |||||||||
3- Lamb Breeding | ||||||||||
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The Idea | Buying a sheep for the purpose of breeding | |||||||||
The Description | Capital financing and operating financing. | |||||||||
Sector | animal | |||||||||
Target Segment | Experts/specialists/beneficiaries of financing. | |||||||||
Financing Formula | Murabaha: for operational financing (cows, fodder, etc.). Contracting: capital financing (construction operations) Any suitable Islamic formula | |||||||||
Financing Period | A maximum of 4 months for one cycle (so that the financing period does not exceed 12 months) according to the study in particular and the cash flows of the project | |||||||||
The Grace Period | A maximum of 3 months for one cycle | |||||||||
Method of Payment | Monthly, every three months, at the end of one session. | |||||||||
Conditions for Granting Funding | Existence of a site for practicing the activity (owned / rented / possessed / hosted).
Certificate of practicing the activity
prairie | |||||||||
Target States | all states of Sudan | |||||||||
Financing Methodology | individual/group | |||||||||
Warranties | In the case of individual/partnership/group financing: guarantor check, compulsory project insurance, salary, pension, mortgage, etc.
In the case of associations: external guarantee checks from the three officers + a third-party guarantee check + insurance + a check from the association’s account. If the direct storage guarantee is accepted, a declaration must be written not to dispose of the product until the company is informed or until payment. | |||||||||
4- Lamb Fattening | ||||||||||
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The Idea | Lamb fattening | |||||||||
The Description | operating finance | |||||||||
Sector | animal | |||||||||
Target Sector | Experts/specialists/beneficiaries of financing. | |||||||||
Financing Formula | Murabaha: for operational financing (sheep and fodder…..etc) Any suitable Islamic formula | |||||||||
Financing Period | A maximum of 4 months for a single cycle of operational financing, and a period not exceeding two years for capital financing, according to the study and cash flows of the project. | |||||||||
The Grace Period | A maximum of 3 months. | |||||||||
Method of Payment | Monthly, every three months, at the end of the course. | |||||||||
Conditions for Granting Funding | Existence of a site for practicing the activity (owned / rented / possessed / hosted).
Certificate of practicing the activity | |||||||||
Target States | all states of Sudan | |||||||||
Financing Methodology | individual/group | |||||||||
Warranties | In the case of individual/partnership/group financing: guarantor check, compulsory project insurance, salary, pension, mortgage, etc.
In the case of associations: external guarantee checks from the three officers + a third-party guarantee check + insurance + a check from the association’s account. If the direct storage guarantee is accepted, a declaration must be written not to dispose of the product until the company is informed or until payment. | |||||||||
5- Raising Goats | ||||||||||
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The Idea | Buying goats for breeding | |||||||||
The Description | Capital financing and operating financing. | |||||||||
Sector | animal | |||||||||
Target Segment | Experts/specialists/beneficiaries of financing. | |||||||||
Financing Formula | Murabaha: for operational financing (goats, fodder, etc.) Contracting: capital financing (construction operations) Any suitable Islamic formula | |||||||||
Financing Period | A maximum of 6 months for one cycle (so that the financing period does not exceed 12 months) according to the study in particular and the cash flows of the project. | |||||||||
The Grace Period | 5 months max | |||||||||
Method of Payment | Monthly, every three months, at the end of one cycle, according to the study in particular and the cash flows of the project | |||||||||
Conditions for Granting Funding | Existence of a site to practice the activity (owned / rented / possessed / hosted)
Certificate of practicing the activity | |||||||||
Target States | all states of Sudan | |||||||||
Financing Methodology | individual/group | |||||||||
Warranties | In the case of individual/partnership/group financing: guarantor check, compulsory project insurance, salary, pension, mortgage, etc.
In the case of associations: external guarantee checks from the three officers + a third-party guarantee check + insurance + a check from the association’s account. If the direct storage guarantee is accepted, a declaration must be written not to dispose of the product until the company is informed or until payment. | |||||||||
6- Fish Products | ||||||||||
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The Idea | The product includes all fisheries projects represented in fish farming, fisheries, fish farming, and all equipment and aids for fish production (fishing boats / nets / floating ponds – hatcheries …. etc.). | |||||||||
The Description | Capital financing and operating financing. | |||||||||
Sector | animal | |||||||||
Target Segment | Experts/specialists/beneficiaries of financing. | |||||||||
Financing Formula | Murabaha: for operational financing Contracting: capital financing Any suitable Islamic formula | |||||||||
Financing Period | A maximum of two years | |||||||||
The Grace Period | From 1 to 5 months | |||||||||
Method of Payment | Monthly fees | |||||||||
Conditions for Granting Funding | Existence of a site for practicing the activity (owned / rented / possessed / hosted).
Certificate of practicing the activity | |||||||||
Target States | all states of Sudan | |||||||||
Financing Methodology | individual/group | |||||||||
Warranties | In the case of individual/partnership/group financing: guarantor check, compulsory project insurance, salary, pension, mortgage, etc.
In the case of associations: external guarantee checks from the three officers + a third-party guarantee check + insurance + a check from the association’s account. If the direct storage guarantee is accepted, a declaration must be written not to dispose of the product until the company is informed or until payment. | |||||||||
7- Broiler Poultry | ||||||||||
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The Idea | The product includes all livestock projects represented in (broiler poultry). | |||||||||
The Description | Capital financing and operating financing. | |||||||||
Sector | animal | |||||||||
Target Segment | Experts/specialists/beneficiaries of financing. | |||||||||
Financing Formula | Murabaha: for operational financing (goats, fodder, etc.) Contracting: capital financing (construction operations) Any suitable Islamic formula | |||||||||
Financing Period | A maximum of 3 months per cycle, provided that the financing period does not exceed 24 months. | |||||||||
The Grace Period | Two months maximum. | |||||||||
Method of Payment | One cycle (end of period)/monthly according to the nature of the project | |||||||||
Conditions for Granting Funding | Existence of a site to practice the activity (owned/rent/possessed/hosted)
Certificate of practicing the activity. | |||||||||
Target States | all states of Sudan | |||||||||
Financing Methodology | individual/group | |||||||||
Warranties | In the case of individual/partnership/group financing: guarantor check, compulsory project insurance, salary, pension, mortgage, etc.
In the case of associations: external guarantee checks from the three officers + a third-party guarantee check + insurance + a check from the association’s account. If the direct storage guarantee is accepted, a declaration must be written not to dispose of the product until the company is informed or until payment. | |||||||||
8- Laying Poultry | ||||||||||
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The Idea | The product includes all livestock projects represented in (laying poultry) | |||||||||
The Description | Capital financing and operating financing. | |||||||||
Sector | animal | |||||||||
Target Segment | Experts/specialists/beneficiaries of financing. | |||||||||
Financing Formula | Murabaha: for operational financing Contracting: capital financing Any suitable Islamic formula | |||||||||
Financing Period | A maximum of 15 months for the promising stage and 18 months in the case of buying chicks | |||||||||
The Grace Period | A month of grace for the stage of omens and
5 months to the stage of chicks | |||||||||
Method of Payment | Monthly Fees | |||||||||
Conditions for Granting Funding | Existence of a site for practicing the activity (owned / rented / possessed / hosted).
Certificate of practicing the activity | |||||||||
Target States | all states of Sudan | |||||||||
Financing Methodology | individual/group | |||||||||
Warranties | In the case of individual/partnership/group financing: guarantor check, compulsory project insurance, salary, pension, mortgage, etc.
In the case of associations: external guarantee checks from the three officers + a third-party guarantee check + insurance + a check from the association’s account. If the direct storage guarantee is accepted, a declaration must be written not to dispose of the product until the company is informed or until payment. | |||||||||
