Frequently Asked Questions

Finja Invest is Pakistan's first peer-to-peer Digital Financing Platform, licensed & regulated by SECP. We connect the new-age investors to the creditworthy local karyana Stores in need of stock financing. And in return, we offer up to 30% annual returns to the investors & easy short-term financing for stock purchase to the borrowers. Learn more about us.

Any Pakistani citizen with a net-worth of at least PKR 15 million, who wants to maximize their investments and earn promising returns.

As with any financing program, there are some risks involved in P2P financing as well, such as the borrower doesn't repay in time. At Finja Invest, we keep the risk to a minimum by ensuring that every borrower in our portfolio is identity-checked, credit-checked, and risk-assessed as per best industry standards and have an immaculate and transparent track record to the best of our record. In case of delay in repayment from the borrower, Finja’s collection experts engage the customer ensuring timely payment of your investments.

Finja Invest is licensed and regulated by the Security Exchange Commission of Pakistan (SECP) to work as a domestic P2P financing platform. Finja shares fortnightly stats (investment information) with SECP in an effort for complete transparency.

Investing in peer-to-peer (P2P) financing is a great way to boost yields and diversify your investment opportunities. P2P financing is an alternative asset that offers attractive, absolute and risk-adjusted returns, even in today's low-interest-rate environment. However, similar to all types of investments, this too carries certain risks, mostly are related to delayed repayments of investments but we have secured this by enabling investors to redeem their investments; e.g. in case your respective investment in Karyana Stores is not paid in time, you will have an option to redeem this investment. Learn more.

Yes, Finja Invest is a shariah-compliant peer-to-peer financing platform.

Wakala refers to a contract where a principal (or Muwakkil) authorizes or appoints an agent (or wakeel) to do a well-defined legal action on his or her behalf. Wakalah's meaning is “Contract of an Agency”. The Wakalah in Islamic banking is about the provision of service, and the main features of Wakalah are service, representation, and power to affect the legal position of the principal.

Wakala Istismar is an Investment Agency whereby one party (principal) appoints another party (customer) as its agent, to invest the capital in the agent’s working capital.

The Investor will be Muawakkil (principal) who will give his capital of investment to Finja Lending Services Limited on a Wakalah basis to a portfolio managed by Finja Lending Services Limited on the Investor’s behalf.

Finja Lending Services Limited will be Wakil (agent) to invest the amount as per Wakala (agency) agreement.

Finja Invest will Invest 15% and the investor will invest 85% of the total investment requested by the borrower.

The investor will earn sixty percent (60%), while Finja Invest will get forty percent (40%) of the total profit.

Rabb ul Mal is the investor in the investment contract who provides the capital to be invested for an agreed profit-sharing ratio.

Ra’s al-Mal is the capital that an investor (Rabb ul Mal) invests in a portfolio, often in partnerships (Musharakah).

Murabaha is an Islamic financing structure in which the seller and buyer agree to the cost and markup of an asset. The markup takes place of interest, which is illegal in Islamic law. As such, Murabaha is not an interest-bearing loan but is an acceptable form of credit sale under Islamic law.

Tijarah is a working capital solution for borrowers who sell their inventories on credit and require funds for operations during the credit period.

Hawalah is the assignment/ transfer of debt from one party to another party.

Finja Invest is a peer-to-peer financing platform for creditworthy borrowers and fixed-income investors to get a better deal. Part of the attraction is that it can provide better rates and returns without the infrastructure cost and complexity of a traditional bank or deposit-taking institution. This is briefly explained in Comp-scan with other such investment opportunities available in the country.

Finja Invest will redeem your investments with your accrued profit, after a week (grace period) of the maturity date if the borrower fails to repay on time.

Finja Invest allows the investors who under any unforeseen circumstances want to encash the invested amount before the maturity date to liquidate their investments with minimum discount.

There are no registration charges; sign up for free and start investing!

The investments made in Finja Invest are secure and will be repaid to the investors if, under any unforeseen circumstances, Finja Invest shuts down its operations.

Finja Invest is a subsidiary of Finja Lending Services Ltd., which is a Lahore-based Non-Banking Financial Institution (NBFI), licensed to operate its business by the SECP.

The rate of return (RoI) is the percentage of the profit the investor earns when investing.

Diversification is a risk management strategy that involves spreading your money across a wide variety of investments within a portfolio. The rationale is that a portfolio constructed of different kinds of assets will, on average, yield higher long-term returns and lower the risk of any individual asset.

Finja Invest puts its own skin in the game, meaning we invest alongside every investor in an 85/15 share. We make money the same way as our investors.

Feel free to email your queries at invest@flsl.pk or WhatsApp us at +923173336533.