iB Working Capital Financing

Driving Business, Delivering Blessings

Support your business operations with Sharia-compliant working capital financing.

Sharia Financing Solutions for a More Advanced Business

Suitable for Business Development

Easy Terms and Conditions

Based on Sharia Principles

Round-the-Clock Service Support

Transparent

Sharia Financing Solutions for a More Advanced Business

Suitable for Business Development

Easy Terms and Conditions

Based on Sharia Principles

Round-the-Clock Service Support

Transparent

Registration Requirements & Terms

Financing Facility Application Letter

Business Legality Documents

Copies of ID Card (KTP), Tax Identification Number (NPWP), Deed of Establishment, NIB, and documents of management and shareholders

Approval letter from the Board of Commissioners/shareholders for the financing application

List of customers/clients and suppliers for at least the past 1 year

Environmental Impact Assessment (AMDAL) for industries required to obtain AMDAL approval

PMDN approval letter for businesses utilizing PMDN facilities

Financial statements for the last 2 (two) periods (audited financial statements are mandatory for financing limits above IDR 10 billion)

Additional Information

Customers are required to pay a late payment penalty (Ta'zir) for each day of installment payment delay beyond the due date.
Customers are required to fully settle the financing immediately in the event of bankruptcy, failure to fulfill obligations to other banks, failure to make installment payments to the Bank, cessation of business operations, revocation of business licenses, being declared bankrupt, or submitting inaccurate or misleading reports.

Product Information Summary (RIPLAY)

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Frequently Asked Questions

iB Working Capital Financing from Bank Jakarta Syariah is a financing facility designed to support working capital needs for trade, construction services, manufacturing, and other service procurement activities. It is available to individuals, legal entities, and non-legal entities in accordance with Sharia principles.

Mudharabah is a business partnership contract between two parties: Bank Jakarta Syariah as the capital provider (shahibul maal) and the customer as the business manager (mudharib). Under this contract, the bank provides the capital while the customer manages the business operations.

Business profits are shared based on a pre-agreed profit-sharing ratio (nisbah) established at the beginning of the contract. Any business losses not caused by negligence or misconduct of the business manager will be borne by the capital provider in proportion to the capital contributed.

Murabahah is a sale and purchase contract in Sharia financing where Bank Jakarta Syariah purchases goods or assets required by the customer and then sells them to the customer at the original purchase price plus an agreed profit margin disclosed at the beginning of the contract.

Under a Murabahah contract, the selling price, profit margin, financing tenure, and payment method are clearly and transparently agreed upon from the outset, ensuring that customers fully understand their obligations.