Problem 1: Ahmad decided to purchase a car that costs 10,000 KD, and since he currently doesn't have that money, he decided to finance it through 5 years Murabaha from an Islamic Bank. The bank told him that the Profit Rate of this Murabaha is 17.25 % and ask him to pay a down payment of 21 KD. Given the above data, calculate the monthly payment that Ahmad should pay for Islamic Bank, and calculate the nominal and Effective Annual Rate (EAR) of this Murabaha.