Pembiayaan Investasi iB

Simulation Results
Investment Goals	Future Investment
Komparasi Jenis Aset Konvensional :	Time Deposit
Komparasi Jenis Aset Investasi :	Small Mid Cap Equity Funds
Nominal Investasi Awal	0,00
Nominal Investasi Bulanan	0,00

Time Deposit	Small Mid Cap Equity Funds
Total Savings + Return 71.228.531,00	Total Savings + Return 78.729.940,72
Total Savings 70.000.000,00	Total Savings 70.000.000,00
Total Return 1.228.531,00	Total Return 8.729.940,72
Nilai Pertumbuhan % 1,76%	Nilai Pertumbuhan % 12,47%
Jangka Waktu Investasi 20 Tahunan	Jangka Waktu Investasi 20 Tahunan

Simulation
Property Prices	0,00
Down Payment	0,00
Investment Period	1 Year
Annual Interest Rate (%)	0%
Loan Amount	0,00
Monthly Installment	0,00

Simulation Results:
Your Loan Amount	0,00
Loan Period	1 Month
Monthly Interest Rate (%)	0%
Total Monthly Installment	0,00

Simulation Table
Type of Loan	Simple Working Capital
Type of Business	Service
Monthly Sales	0
Total Loans from Other Banks	0
Kebutuhan Modal Kerja	0
Total limit yang dapat diberikan	0

Simulation Table
Type of Loan	Complete Working Capital
Average monthly sales	0
Cost of goods sold	0
Siklus Modal Kerja	0
Piutang	0
Inventori	0
Hutang Dagang	0
Kebutuhan Modal Kerja	0

Product Information

Benefits

Sharia Investment Financing Scheme

Required Documents

Product Information

Pembiayaan Investasi iB is a financing for investment purpose of the business site, capital product or other production facility based on Sharia fundament.

Benefits

Helping the Customer’s SME or Wholesale to invest the payment alternative that is more beneficial and flexible period as necessary.
Fixed margin during the repayment with buying and selling scheme (Murabahah).
Better financial performance when using Sharia Leasing (IMBT).

Sharia Investment Financing Scheme

Sharia Investment Financing has the following financing schemes:

Buying and Selling Scheme (Murabahah).
Sharia Leasing Scheme (IMBT).

Required Documents

Document	Entity	Individual
Copy of ID card/Passport of the Company Manager/the Customer and the Collateral Owner.	√	√
Copy of Family Certificate		√
Copy of Marriage Certificate and Spouse ID Card		√
Copy of NPWP	√	√
Business Certificate, Business Registration Letter, Domicile Letter	√	√
Copy of Business Establishment and it’s amendment with the Court Validation	√
The Company should have been running for 2 years (SME), 3 years for Commercial (Wholesale)	√	√
Having Financial Report for minimum 2 years (SME) and for minimum 3 years for Commercial (Wholesale). Proforma Financial Report (Financing < IDR 5 Billion) inhouse (entity or financing > IDR 5 Billion), audited (PT with asset or turnover > IDR 50 Billion)	√	√
Copy or Checking Account/Deposit for the last 3 months (SME). Last 6 month for Commercial customer (wholesale)	√	√
Copy of Collateral Asset Documentation	√	√
Not enlisted on Bank Indonesia Black List	√	√

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Pembiayaan Investasi iB