• Musyarakah Mutanaqisah (MMQ)
• Ijarah Muntahiyah Bittamlik (IMBT)

Currency

IDR

1. Customers may obtain financing for consumer and commercial purposes, as well as for business-supporting investments, working capital, or refinancing.
2. Customers may pledge consumer or commercial property assets as collateral, with either indent or ready-stock status, whether new (primary) or used (secondary).
3. Installments are not affected by fluctuations in ujrah / profit sharing, as the ujrah / profit-sharing rate is fixed throughout the financing tenure.
4. Customers may settle the financing with the Bank based on their capability and preference, in accordance with the agreed financing tenor and installment schedule.

1. Customers will be charged an early settlement administrative fee if they make an accelerated repayment, whether partial or full, earlier than the agreed schedule. The amount of the early settlement administrative fee is stipulated in the Financing Agreement signed by the Customer.
2. Late payment of installments will be subject to a penalty (Ta’zir), which will be recorded as a Charitable Fund (Dana Kebajikan).
3. The Bank will report the Customer’s financing history to the Financial Information Service System (SLIK). Customers are required to repay all facilities held at Bank Danamon in accordance with the specified due dates. If the Customer fails to make payment, the Bank will align the collectibility status of all facilities at Bank Danamon Indonesia in accordance with applicable regulations.
4. In the event of default or breach of contract, the Bank has the right to repossess and/or seize the assets pledged as collateral to the Bank.

Akad MMQ

1. Financing Limit: IDR 800,000,000
2. A 3-year tenor (a fixed profit-sharing period for the first year; after the fixed period, the subsequent profit-sharing rate will be reviewed periodically).
3. Administration fee: IDR 8,800,000
4. There are 10 stamp duties required for the financing agreement total costs IDR100,000

This simulation calculation applies only to the fixed-rate period

Customer Installment Payments
Effective annuity installment scheme

1. Year 1: IDR 24,428,273 / month
2. Year 2: In accordance with the applicable profit sharing arrangements
3. Year 3: In accordance with the applicable profit sharing arrangements

Notes:
¹The value of the financing object minus the down payment
²The fees do not include collateral binding fees, survey fees, and incidental costs. The application fee is payable upfront and is not included in the installment payments, while incidental costs will be charged to the Customer if any arise.
³The principal financing amount plus the total profit sharing (applicable only during the fixed‑rate period), excluding the application fee and incidental costs.

Akad IMBT

1. Financing Limit: IDR 800,000,000
2. Tenor: 3 years (Fixed ujrah period for the first 1 year; after the fixed period, the subsequent ujrah will be reviewed periodically)
3. Administration Fee: IDR 8,800,000
4. A total of 10 stamp duties are required for the financing agreement.: IDR 100,000

This simulation calculation applies only to the fixed-rate period:

Customer Installment Payments:
A declining installment structure, with a fixed principal component and a decreasing ujrah component, thereby accelerating the reduction of the outstanding financing principal.

Notes:
¹The value of the financed asset net of the down payment
²The fees do not include collateral binding fees, survey fees, or incidental costs. The application fee is payable upfront and is not included in the installment payments, while any incidental costs will be charged to the Customer if applicable
³The financing principal added to the total ujrah (applicable only for the fixed‑rate period), and excluding application fees and incidental expenses

Important Notes :

1. The Bank may reject an application for the opening of products and services if the Customer does not meet the applicable requirements and regulations.
2. Customers are required to carefully read this Product and Service Information Summary and are entitled to ask Bank officers about any matters related to this Product and Service Information Summary.

Further information about the product can be downloaded here.