What is a fortune?
A fortune could be defined as the state of possession of material and nonmaterial values.
Material fortune comprises of money and possessions, while nonmaterial fortune comprises of spiritual, intellectual, moral and social values.
From the philosophical and religious point of view material and nonmaterial values very often do not go well together. Still, it is completely unacceptable to overrule the possibility of possessing both material and nonmaterial values at the same time.

What is poverty?
Poverty is mainly considered to be the state in which material values necessary for meeting everyday needs of each person, family or social group are absent.
Although poverty is considered to be the absence of the crucial conditions for a decent living, this is only the material aspect of poverty which in time increases the possibility for occurrence of the nonmaterial (spiritual, intellectual, emotional…) poverty, but is not always and necessarily the cause of it, as may be seen from the eastern religions.
In fact, poverty is always and in every aspect the state opposite to fortune and its material and nonmaterial values.

What is a loan?
A loan is a consensual transfer of the agreed amount of money (or some other value) between a bank or some other institution and the user of the loan, who then becomes a debtor and agrees to return the money in determined time period and with determined interest (except when it comes to free loans). Some additional conditions may be required in such transactions, for example a guarantor, a deposit and so forth.
There are bank loans that are, as the name itself suggests, approved by banks, and commercial loans, approved by other financial institutions such as savings and loan cooperatives or other various commodity producers.
Regarding the time periods there are short-term loans, lasting up to a year, then medium-term loans, lasting approximately from 3 to 5 years, and long-term loans that take longer than 5 years to repay.
Loans can have a special purpose and a form of subvention, and can also vary according to the provider.

What is a mortgage?
A mortgage is a hypothecation privilege that, in case of the debtor’s failure to honour the agreed payment deadlines, empowers the given institution (the hypothecation creditor) to settle the debts through certain values bound to the mortgage.
Mortgage loans are good examples of agreements in which mortgage, as the hypothecation privilege, is bound to the approval of the loan.

What is leasing?
Leasing is a form of renting or tenure fixed between the provider and the user in which the latter does not buy the leasing object, but rather uses it for a certain amount of time.
The provider commits to acquire the movables or the immovables (the object to be leased) from the producer and hand it over to the user under the prearranged conditions and for the prearranged period of time. When the arranged period of time has passed, the user returns the leasing object to the provider (operating leasing), extends the leasing or acquires the ownership rights (as is the case in financial leasing).