The Financing of Mudharabah iB
A Shariah-compliant financing product where the Bank, as the fund provider, provides financing to the Customer as the business manager. The funds are used to carry out specific business activities, with business profits shared between the Bank and the Customer based on a mutually agreed profit-sharing ratio (nisbah) determined transparently from the outset. This financing can be utilized for working capital or business investment needs.
Through Maybank Mudharabah iB Financing, Customers can obtain financial support to develop and manage their business using a fair profit-sharing scheme in accordance with Shariah principles. The financing may be used for various business purposes, including working capital, business expansion, and investments that support business growth. Profit sharing will be distributed based on the agreed profit-sharing ratio (nisbah).
Apply for Maybank Mudharabah iB Financing at your nearest Maybank branch!Branch location information Click here
Financing Type
Working Capital Financing
- Promissory Note Financing (PPB)
Structured short-term working capital financing according to business needs. - Term Loan Financing (PB)
Long-term working capital financing, in accordance with the agreed term with repayments made in instalments.
Investment Financing
- Purchase of business premises
- Purchase of machinery & heavy equipment
- Cost of construction or renovation of business premises
Benefits of Maybank Working Capital Financing
Working Capital Needs
Managing Business Cash Flow
Easier Business Transactions
Feature Product
Loan Amount
In accordance with the financing requirement calculations, including both investment and working capital needs, as approved by the Credit/Financing Committee.
Loan Tenor
- Investment Financing: Tenure in accordance with the financed asset and subject to approval by the Credit/Financing Committee.
- Working Capital Financing: Maximum tenure of 1 (one) year.
Bank’s Benefits
- The Bank’s profit is derived from profit sharing on the Customer’s business, calculated using a Revenue Sharing method based on gross sales revenue.
- The Bank’s profit entitlement is stipulated in the agreement/approval in the form of a Nisbah, representing the Bank’s agreed share of the profit.
Guarantee
Land and buildings, vehicles/movable assets, inventory, receivables, and cash collateral.
Terms & Conditions
- Business entity in the form of a company or an individual (sole proprietorship).
- Indonesian citizen (WNI).
- Not listed in the National Blacklist (Daftar Hitam Nasional/DHN).
- Minimum age of 21 years and maximum age of 70 years at the end of the financing tenor.
- Business has been operating for a minimum of 3 (three) years.
- Business activities do not contravene Shariah principles and are not included in industries that are ineligible for financing under Maybank Indonesia’s policies.
- Business is not classified as having non-performing loans/financing based on checks with Bank Indonesia and/or the Financial Services Authority (Otoritas Jasa Keuangan – OJK).
- Business is not included in the blacklist of Bank Indonesia and/or the Financial Services Authority (OJK).
- Business has never had problematic loans/financing with Maybank or other banks.
- Business provides collateral in accordance with Maybank Indonesia’s acceptable collateral requirements, which may include land and buildings, vacant land, vehicles, machinery, inventory, and trade receivables.
- Successfully passes the financing analysis process in accordance with Maybank’s prevailing policies.
- Opens a Maybank Giro iB Bisnis.
Supporting documents for submission
| Document | Individual | Company (PT, CV) |
| Credit application form | ✓ | ✓ |
| ID Card of Applicant (including spouse if married, and collateral owner / directors & shareholders) | ✓ | ✓ |
| Marriage Certificate / Divorce Certificate / Death Certificate / Prenuptial Agreement (if applicable) | ✓ | |
| Tax Identification Number (NPWP) | ✓ | ✓ |
| Business license | ✓ | ✓ |
| Bank Statements for the Last 6 Months | ✓ | ✓ |
| Deed of Establishment of the Company and its amendments, including the latest deed | ✓ | |
| Decree from Ministry of Justice and Human Rights | ✓ | |
| Collateral Documents: Freehold/Leasehold Certificate, Latest Property Tax (PBB), Building Permit (IMB) | ✓ | ✓ |
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