Ijara is a:

a. Lease contract in which the owner of the asset rents it to the lessee for a specified period and at a specified rent, without transferring the ownership b. Sale contract in which the seller sells the asset to the buyer, and transfers ownership immediately, while the buyer pays in deferred instalments

c. Lease contract in which the owner of the asset rents it to the lessee for a specified period, but the rent is variable, without transferring ownership

d. Borrowing contract in which the owner of the asset lends the asset to the other party, without any consideration