1. Support for Business Working Capital Needs
   Financing is used to meet business operational needs, such as purchasing raw materials, merchandise, and day-to-day operating expenses to support the growth of the customer's business.
2. Flexibility of Sharia Financing Contracts
   Customers can choose the type of financing contract that suits their business needs and the applicable Sharia principles.
3. Financing Tenor Aligned with the Business Cycle
   Short- to medium-term financing tenors are available, making it suitable for businesses with fast capital turnover.
4. Varied Repayment Schemes
   Repayment of the financing principal can be made through monthly installments or non-installment arrangements, as agreed.

Working Capital Financing can be funded through the following scheme options:

• Mudharabah Scheme
• Musyarakah Scheme – Sharia Current Account
• Ijarah Muntahiya Bit Tamlik (IMBT) Scheme
• Musyarakah Mutanaqishah (MMQ) Scheme

1. Mudharabah Contract
   A profit-sharing contract for a business partnership between the capital owner (the Bank) and the fund manager (the Customer) based on the profit-sharing ratio set out in the cooperation contract/agreement
2. Musyarakah Contract – Sharia Current Account
   A profit-sharing contract set out in a cooperation contract/agreement in which each party contributes a portion of the funds, with the provision that profits are shared according to the agreed ratio, while losses are borne in proportion to each party's share of the funds
3. Ijarah Muntahiyah Bit Tamlik (IMBT) Contract
   A lease agreement between the owner of the IMBT asset (the Bank) and the lessee (the Customer) to obtain compensation (in the form of Ujrah) for the leased IMBT asset, concluding with the transfer of the right of use or benefit of a good or service based on a lease transaction with an option of sale and purchase or grant at the end of the lease period in accordance with the lease contract
4. Musyarakah Mutanaqisah (MMQ) Contract
   A contract based on the principle of partnership (syirkah 'inan), in which the portion (hishshah) of capital of one financier (syarik – the Bank) decreases due to gradual commercial purchase or transfer to the other financier (syarik), namely the Customer.

1. Indonesian citizen or a company incorporated under Indonesian law
2. Minimum age of 21 years or already married at the time of facility application, with a maximum age of 65 years at maturity
3. Minimum business operating period of 3 years
4. Minimum annual sales of IDR 2 billion and demonstrating positive profit, applicable to all industry sectors
5. Not listed on the Bank Indonesia National Blacklist (DHN BI)
6. Clear SLIK check
7. Prospective Customer profile:
   1. Individual, or
   2. Non-individual (business entity / company)

More info on Pembiayaan Modal Kerja Syariah iB, click here.