Commercial Financing with Sharia Values
Grow your business with Sharia-compliant commercial financing
Sharia Financing Solutions for a More Advanced Business
Easy Requirements
Based on Sharia Principles
Payments Made in Installments
Various Financing Options
Suitable for Business Investment
Registration Terms & Conditions
Financing Facility Application Letter
Business Legality Documents
Photocopy of ID Card, Tax ID Number (NPWP), CV, Business Registration Number (NIB) of management and shareholders
Approval letter from Commissioner/shareholders for the financing application
List of customers and suppliers for a minimum of the last 1 year
Environmental Impact Analysis (EIA/Amdal) for industries required to have Amdal
Domestic Investment (PMDN) approval letter for businesses with PMDN facilities
Financial reports for 2 (two) periods (audited reports required for credit limits above IDR 10 billion)
Other Information
- Pay a Penalty (Ta'zir) for each day of late installment payment that has passed the due date.
- Required to repay the financing in full if experiencing: Bankruptcy, failure to fulfill obligations to other banks, failure to pay installments to the bank, cessation of business operations, revocation of business licenses, declaration of insolvency, and submission of false reports.
Product Information Summary (RIPLAY)
Frequently Asked Questions
An investment financing facility for the purposes of renting, constructing buildings, owning vehicles, and others, with installment payments where at the end of the installment period the customer may own the asset or simply lease it.
Ijarah Muntahiyya Bit Tamlik (IMBT) is a sharia financing contract in the form of a lease (ijarah) that ends with the transfer of asset ownership to the customer after the lease period ends and all obligations under the contract have been fulfilled. Bank Jakarta Syariah first provides or purchases the asset needed by the customer, then leases it to the customer for a certain period of time. At the end of the lease period, the asset may become the customer's property in accordance with the terms agreed upon in the contract.
- The customer requires an asset (e.g. a vehicle or machinery)
- Bank Jakarta Syariah purchases or provides the asset
- Bank Jakarta Syariah leases the asset to the customer for a certain period
- The customer pays ujrah (lease fee) on a periodic basis
- After the lease period ends, ownership of the asset is transferred to the customer (through a grant, sale and purchase, or a mechanism agreed upon in the contract)
- Financing of company operational vehicles
- Financing of production machinery
- Financing of heavy equipment
- Financing of buildings or other business assets
- Compliant with sharia principles (no usury/riba)
- Ability to use assets without having to purchase them upfront
- Opportunity to own the asset at the end of the financing period
- Lease payments are made in installments
- Suitable for medium to long-term business investment needs
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