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Empowering Afghanistan’s Agricultural Sector through Shariah-Compliant Financing

Ghazanfar Bank offers Murabaha-based agricultural financing to support farmers, agricultural entrepreneurs, and agri-businesses across Afghanistan. This Shariah-compliant financing solution helps businesses acquire essential agricultural inputs, machinery, processing equipment, and other productive assets to expand their operations and contribute to economic growth.

Key Financing Features

Financing Amount: AFN 500,000 to AFN 7,500,000.

Financing Tenor: 3 to 60 months.

Profit Margin: Agreed upfront and fixed throughout the financing period.

Basic Eligibility Requirements

Applicants must be Afghan citizens and residents, operate a registered agricultural business for at least 12 months, possess valid identification and business documentation, and demonstrate sufficient repayment capacity.

Grow Your Agricultural Business with Ghazanfar Bank

Ghazanfar Bank is committed to strengthening Afghanistan’s agricultural value chain by providing accessible, responsible, and Shariah-compliant financing solutions.

Empowering Women-Led Businesses Through Shariah-Compliant Financing

Ghazanfar Bank is committed to supporting women's economic participation and promoting the growth of women-led micro and small enterprises across Afghanistan. Through Bano Murabaha, a dedicated Shariah-compliant financing product, the Bank provides female entrepreneurs with accessible financial solutions to establish, sustain, and expand their businesses.

Bano Murabaha offers financing ranges, with a flexible annual profit rate and flexible repayment periods. The financing is designed to support the acquisition of business assets, including raw materials, machinery, equipment, and other essential business requirements.

The product is available to Afghan women entrepreneurs aged 18 to 65 who operate registered businesses with at least six months of active operations and demonstrate sufficient repayment capacity. Financing requirements are structured according to the requested amount, with personal or corporate guarantees accepted for smaller facilities and property collateral required for larger financing amounts.

Through Bano Murabaha, Ghazanfar Bank aims to strengthen women's entrepreneurship, promote financial inclusion, and contribute to sustainable economic development by offering transparent, responsible, and Shariah-compliant financing solutions.

Grow your business with Bano Murabaha. Visit your nearest Ghazanfar Bank branch or contact our Islamic Financing Officers to learn more about available financing opportunities and eligibility requirements.

Ghazanfar Bank offers Murabaha Car Financing, a Shariah-compliant solution designed to help businesses purchase new or used vehicles through affordable and flexible installment arrangements. Under this facility, the Bank purchases the selected vehicle and sells it to the customer at a transparent, pre-agreed cost-plus-profit price. Financing is offered at different ranges, with repayment periods of 3 to 36 months, enabling customers to own vehicles while managing their financial obligations through convenient monthly installments.

Ghazanfar Bank's Murabaha Gold-Backed Financing provides individuals, entrepreneurs, and businesses, particularly women-led enterprises, with access to Shariah-compliant financing secured by physical gold. This facility enables customers to utilize their gold assets as collateral to obtain financing for eligible personal and business needs under an approved Murabaha arrangement. Financing amounts range from AFN 5,000 to AFN 1,500,000, with flexible repayment periods of 3 to 36 months, supporting financial inclusion, entrepreneurship, and business growth.

Ghazanfar Bank introduces Murabaha Solar Financing, a Shariah-compliant financing solution designed to promote clean energy adoption among households, businesses, agricultural enterprises, and corporate customers. The facility supports the purchase of solar power systems, solar-powered water pumps, irrigation equipment, and other eligible solar energy solutions through flexible installment arrangements. Financing starts from AFN 5,000, with higher limits available for agricultural, enterprise, and corporate projects and repayment periods of up to 60 months, depending on the financing category. This initiative helps customers reduce energy costs, improve energy independence, and contribute to Afghanistan's sustainable economic development.

Ghazanfar Bank issues Shariah-compliant letters of credit based on Wakalah (agency), ensuring that the underlying contractual arrangements, agency fee structure, and operational procedures comply with applicable Shariah principles and the requirements approved by the Bank’s Shariah Board. A Letter of Credit is a trade finance instrument issued by Ghazanfar Bank on behalf of an importer, providing a payment undertaking to an exporter upon presentation of documents complying with the LC's terms and conditions. It facilitates secure domestic and international trade by reducing payment-related risks and strengthening confidence between buyers and sellers. Ghazanfar Bank supports eligible LC transactions through available international banking channels and Shariah-compliant arrangements, subject to applicable regulatory and compliance requirements.

A Line of Credit is an approved banking facility provided by Ghazanfar Bank to eligible businesses to support their trade finance requirements and commercial activities. It enables customers to access funded or non-funded facilities, including Bank Guarantees, Letters of Credit, and Shariah-compliant trade financing, within an approved limit as indicated in the line of credit. This facility strengthens businesses' financial capacity, facilitates participation in larger commercial contracts, and supports business expansion, subject to the Bank's credit assessment, collateral, and approval requirements.