Peer-to-peer financing is a direct form of financing individuals or businesses without the involvement of a middleman- like banks or other traditional financial institutions. The P2P process is simple. Through an online platform, you can finance as many eligible borrowers as you want, depending on your risk appetite.
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. In return, we offer up to 36% annual returns to the investors & easy short-term financing for stock purchases to the borrowers.
Any Pakistani institute or an individual 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 on 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.
Finja Invest is licensed and regulated by the Security Exchange Commission of Pakistan (SECP) to operate as Pakistan’s first and only 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 related to delayed repayments of investments, but we have secured this by rigorous verification of our portfolio and capital protection guarantee in all of our investment models except RapidGrow.
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 (Link to the comparison) with other such investment opportunities available in the country.
Finja Invest allows investors who, under any unforeseen circumstances, want to encash the invested amount before the maturity date to liquidate their investments with a minimum discount.
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.
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.
RapidGrow is a short-term investment model offered by Finja Invest, which allows investors to invest their capital in Finja Invest’s portfolio and earn up to 36% annual returns with monthly payouts. The investor shares the risk with Finja Invest, and Finja Invest does not offer capital protection for this investment model.
SecureGrow is a long-term investment model offered by Finja Invest, which allows investors to invest their capital in Finja Invest’s portfolio and earn up to 26% annual returns with complete capital protection. The investors have the option to choose from multiple tenures of their choice.
Invoice Financing, also known as Invoice Factoring, is a financial solution that helps businesses improve their cash flow by unlocking the value of their unpaid invoices. It's particularly useful for businesses facing delayed payments from clients or customers.
Gold-based financing is a long-term investment and financing model for both the investors and borrowers, respectively, that allows the investors to invest in the borrowers who are seeking financing against gold as collateral.
RapidGrow is a short-term investment model with monthly payouts, the investor shares the risks with Finja Invest, and the capital is not protected in this investment model.
SecureGrow is a long-term investment model with different payout options, it is a no-risk investment model that offers capital protection to the investors.
The rate of return for the RapidGrow investment model can go up to 36% per annum, while the rate of return for the SecureGrow model can go up to 26% per annum.
To start investing with Finja Invest, please follow the mentioned steps;
Sign up as an investor. Fill out the KYC form; upon successful verification of your account, you can start investing.
Choose “Add Money” from the dashboard, and add your desired amount through bank transfer or via Debit card.
Select the investment model that matches your investment goals.
Invest your desired amount and watch it grow.
The investors can start investing with as low as PKR 1000, depending on the portfolio they choose to invest in.
The investors can earn between 26% to 36% annual returns depending on the investment model.
You can add funds to your Finja Investment Account either by Bank Transfer or by Debit Card transfer. Learn more
The minimum investment time varies depending on the investment model you choose to invest in. It can vary from 1 month to 12 months.
Finja Invest’s investment portfolio includes the supply chains of FMCGs, agriculture, and logistics sectors, as well as gold-based financing for corporates and individuals.
The invested amount and the returns will be added to your Finja Invest Account and displayed in your dashboard at the end of your selected investment tenure.
Finja Invest does closed-loop or gold-based financing, which means the invested amount is directly disbursed to the distributor against the stock the borrower purchases, or it is secured against gold as collateral.
The tax will be 15% on profit for filers and 30% on profit for non-filers.
Finja, in partnership with Goldfin, extends its financial support to institutional or individual borrowers through a unique avenue, Gold-Based Financing. This innovative offering provides borrowers with an opportunity to leverage their gold assets to secure the funds they need to drive business growth. The Borrowers benefit by utilizing the acquired funds to expand their ventures, and once the obligation is met, borrowers regain ownership of their gold, completing a seamless and mutually beneficial transaction. Apply Now!
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 the Wakala (agency) agreement.
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.