AJNIHA’S LOAN PROCESS
The applicant presents their business plan and projected finances. Ajniha conducts a feasibility assessment to ensure the business is financially sound. Based on the outlook, a tailored repayment plan is created, aligned with expected profits and business performance.
BUSINESS APPRAISAL
Ajniha evaluates the applicant’s social credibility. This includes submission of legal identification, proof of financial reliability e.g., consistent utility or rent payments, and references from friends or colleagues to vouch for the applicant’s honesty and integrity.
SOCIAL APPRAISAL
The applicant begins by submitting basic personal details-such as name, occupation, and a brief overview of their business. They also explain the reason they’re seeking financial support and how the funds will be used.
APPLICATION
Once all evaluations are successfully completed, the loan is approved and disbursed. Ajniha remains engaged beyond the financial transaction - offering ongoing guidance and support to help the candidate navigate business challenges and grow sustainably.
To apply for a loan, mail us at:
info@ajniha.org
APPROVAL
Who will lend to Allah a good loan which Allah will multiply many times over? It is Allah ˹alone˺ who decreases and increases ˹wealth˺.
Surah Al Baqarah, Verse 2４5