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== Top 20 FREQUENT WORDS ==
islamic 30
takaful 29
bai 14
finance 13
based 8
pakistan 8
baraka 7
institutions 7
insurance 7
international 7
loss 7
services 7
banking 6
banks 6
financial 6
investment 6
agricultural 5
meezan 5
modes 5
overview 5
venture 5



== DOCUMENT KEY POINTS ==
*industry progress in pakistan year a cmeezan bank a cmeezan bank a cal baraka a cmeezan bank a cal baraka a cmeezan bank a cal baraka a cmeezan bank a cmcb a cal baraka a cmcb a cal baraka a cmcb a calfalah a cmcb a calfalah a cscb a calfalah a cbank alhabib a cscb a chmb a cbank alhabib a cbank of khyber a chabib ag zur
*a csoneri bank a cmetropolitan a chbl a cbank of khyber a cbank islami a csoneri bank i R full fledge banks having a cdib a cegibl and conventional banks a c dawood have saibbs and sub a cnbp a crbs branches till august a caskari a cubl i R total ib branches

*islamic products and services offered by financial institutions around the world i R germany i R uae bank sepah i Rdubai islamic bank

*i R countries have islamic banking institutions i R muslim countries including bahrain uae saudi arabia malaysia brunei and pakistan i R non muslim countries including usa uk canada switzerland south africa and australia
*international overview i R the size of islamic financial industry has reached us bln

*international overview i R in feb dow jones introduced the dow jones islamic market index djim of companies world wide whose business complies with islamic shariah laws i R at present there are more than islamic funds operational through out the world with a total fund base of over usd
*billion

*international overview i R governments of bahrain malaysia and now pakistan have issued islamic bonds sukuk in order to facilitate islamic banks in managing their liquidity
*i R issuance of these bonds has also paved the way for shariah compliant government borrowings

*international overview i R institutions like accounting and auditing organization for islamic financial institutions aaoifi and islamic finance services board ifsb have been formed
*i R due to these collective efforts islamic banking is now recognized by imf world bank and basel committee

*musharakah may be in any profit agreed ratio rs
*partner a venture partner b rs

*basic rules of bai i R bai on such product which is permissible in islam
*i R not based on any incident struggle etc i R price must be clearly identified

*introduction takaful is the sharia compliant brand name for the islamic alternative to conventional insurance
*its based on the principle of ta awan or mutual assistance

*from the holly quran i R the need for insurance is shown in the following verse of the quran
*those of you who die and leave widows should bequeath for their widows a year s maintenance and residence

*he asked the bedouin why don t you tie down your camel the bedouin answered i put my trust in allah swt
*from the hadiths i R by anas bin malik one day prophet muhammad pbuh notced a bedouin leaving his camel without tying it

*riba in insurance i R direct riba excess on one side in case of exchange between the amount of premium
*i R indirect riba the interest earned on interest based investments

*holder mudarib s management wakalah investmen share of ptf s expense of profit loss fee t investment the income income company takaful operator investment by the company waqf operational claims cost of takaful investment reserves surplus retakaful income balance p a r t i c i p a n t s t a k a f u l f u n d p
*wakala waqf model share share h o l d e r s f u n d s

*i R wakalah model an agency agreement is made between participants and operators on the basis of wakalah agency agreements i R wakalah based on waqf model the participant s donate the fund and operator charge an agency fee
*different models of takaful i R pure mudarabah model the participants and operator enter into modarabah contract

*it is normally divided into following classes i R property takaful i R marine takaful i R motor takaful i R miscellaneous takaful
*general takaful types i R general takaful a offers all kinds of non life risk coverage

*takaful operators i R the number of takaful operators worldwide is now estimated at i R takaful companies i R retakaful companies i R in countries
*i R nona muslims increasingly opting for takaful products for commercial benefits

*introduction of takaful pakistan limited i R takaful pakistan is a joint venture of prestigious local foreign institutions including i R emirates investment group sharjah
*i R al raji bank ksa i R house building finance corporation

*i R bancatakaful crop takaful and microtakaful products i R we intend to be the trend setter for excellent clients servicing operational bench marks and prudent underwriting practices
*i R only a rated takaful company in pakistan i R retakaful arrangements with a consortium of internationally reputed retakaful operators


 ''Please note, This is an auto generated summary based on sentances position in the document and other factors''
== DOCUMENT WORD ANALYSIS ==
=== Main Category ===
: AlHuda Material\islamic micro


=== KeyWords ===
islam bankable microfin financial finance institute cooper bprs productcommodity indonesia convent bmt rural service sector commercial deposit average loan required



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== DOCUMENT REFERENCES ==


=== Number of Pages ===
46


=== Published Date ===
2016-09-17 00:46:55


== Full Document ==


[https://www.hodhood.com/en/HodHoodDocuments/IslamicFinance/IslamicMicro/Agri%20Finance%20By%20Zubair%20Mughal.pdf Read the Full Document]


[[Category:Islamic Finance]]

[[Category: Islamic Micro]]