The purpose of the ADF is to provide Afghan farmers and agribusiness entrepreneurs with access to credit to support their business ventures. As such, the ADF provides financial products that meet the social and cultural norms of Afghanistan, that are flexible enough to adapt to the specific business cycles and that give opportunities to farmer organizations, which until now did not have access to financial services

SHARIA LENDING

The ADF takes Islamic lending seriously; as such it has a series of financial products based on Fiqh al-Muamalat to fit the specific needs of its clients.

ZAHRA

Zahra, a Sharia compliant financial product line catering specifically to female farmers and agribusiness entrepreneurs who operate medium-scale enterprises individually or in groups.

LOW COST OF CAPITAL

Being through Sharia financial products or Traditional lending, the cost of capital at the ADF is substantially lower than that of traditional lending.

LOAN TERMS AND CONDITIONS

Being an Agricultural Fund, the ADF provides financial products that fit the crop cycle. Thus disbursement and repayment generally follow the agricultural calendar.