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 Ijarah, one of the allied products of PIBAS Shariah suite of banking applications, provides a comprehensive platform to cater for both Financial and Operational types of leasing, covering both single and fleet cases. Like most of the other products in the PIBAS e-nhance suite, it is fully integrated with the Core Banking Modules.


  • Parameterization facilitates the user banks to tailor the product according to their requirements
  • Enhances Operational Efficiency
  • Provides Tools to Monitor and Control Risks
  • Improves Customer Service
  • Enables Standardization & Reliability of All Financial Calculations
  • Fully Automates All Voucher Generation at Different Stages of Lease Cycle
  • Provides Tools to Monitor Performance of:
    • Credit Officers
    • Recovery Officers
    •  Account Officers
  • Empowers the User to Generate MIS Reports Through Dynamic Report Generation Facility
  • Facilitates Management of Loans Through Dynamic Document Generation Facility


  • Along with Business Relationship and Account Management, this System Could be Interfaced with any application system
  • Business Centric Information of Borrower and Guarantor, etc
  • Multi Branch
  • Single and Fleet Cases Handling
  • Makes Available Non-financial Information for Marketing and Tracking
  • Provides Cushion / Grace Period for Rentals/Repayments
  • Facilitates Proposal Generation:
    • Specific to a Particular Customer
    • General Proposals
  • Provides Facility to Categorize Asset to be Leased
  • Covers Full Takaful / Insurance Life Cycle of the Lease
  • Provides Facilities for:
    • Dealer Management
    • Post Dated Cheque (PDC) Maintenance
    • Generation of Schedule (Annuity Based, Staggered)
  • Maintains Delivery Schedule for the Leased / Rented Asset
  • Provides Check List of Documents Required
  • Facilitates Early Termination or Partial Payment
  • Gives Elaborated Life Cycle of Lease from Prospect State
  • Provides Facility for Application Submission and Processing
  • Facilitates Proposal Generation
  • Generates Contracts
  • Assists in Disbursement and Delivery of Leased / Rented Asset
  • Permits Rental Through Post Dated Cheques
  • Allows Advance Rental Repayments
  • Automates Rental Deductions
  • Provides Facilities for Termination and Repossession etc


Diminishing Musharakah
Islamic Treasury
Islamic Trade Finance

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