The Sharia Financing is an infrastructure financing facility based on sharia principles provided to private parties, State-Owned Enterprises and Regionally-Owned Enterprises as stipulated in the prevailing laws and regulations.

These sharia financing products include:

  1. Financing Based on Lease-Tenancy Principle
    Ijarah Muntahiyyah Bit Tamlik (IMBT)
    Financing Funding for the transfer of utility or benefit rights from goods or services based on lease transaction with the option to transfer the goods ownership at the end or completion of financing term. This financing can be in a form of senior and junior financing.
  2. Financing Based on Buy and Sell Principle
    Murabahah Financing
    Funding or receivables equalized for buying and selling transaction of goods in the amount of principal cost plus margin based on the agreement between the Company and counterparty, which requires the counterparty to settle its obligations. This financing can be in a form of senior and junior financing.
  3. Financing Based on Profit Sharing Principle
    Musyarakah Mutanaqisah (MMQ)
    Financing Financing based on musyarakah principle, namely syirkatul ‘inan (every party to submit the capital), which portion (hishshah) of the capital of one of syarik (the Company) is deducted by the gradual transferring (naqlul hishshah bil ‘iwadh mutanaqisah) to the other syarik (Counterparty). This financing can be in a form of senior and junior financing.Musyarakah Financing
    Funding or receivables for certain business cooperation with a portion of fund from each party, based on the agreement to divide the profit by the agreed nisbah, whereas each party shall take the losses by the portion of each fund.