The Financing of Murabahah iB
A financing product based on Sharia principles, where the Bank provides funds or claims equivalent to funds for the purchase of goods at the cost price plus an agreed margin/profit. This financing can be used for business working capital or investment needs for the Customer’s business.
Through Maybank Murabahah Financing iB, you can fulfill various business needs with a transparent, Sharia-compliant cost-plus sale structure. From purchasing vehicles, production machinery and business equipment to meeting working capital requirements (such as inventory purchases). The financing amount covers the cost of goods along with a clearly disclosed margin.
Apply for Maybank Murabahah Financing iB at the 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
Approved based on the calculated financing requirements, covering both investment and working capital needs as determined by the Credit/Financing Committee.
Loan Tenor
The facility tenor and each disbursement follow the applicable terms for investment and working capital financing and are subject to approval by the Credit Committee.
Bank’s Benefits
The Bank’s benefit comes from the margin applied to the sale transaction, which is added to the original acquisition cost to form the final selling price. This margin remains fixed until the financing is fully settled.
Guarantee
Houses, shop houses, offices, warehouses, factories, vacant land with development plans, as well as cash guarantees.
Terms & Conditions
- Business entity may be in the form of a company or an individual enterprise.
- Must be an Indonesian Citizen (WNI).
- Not listed on the National Blacklist (DHN).
- Minimum age of 21 and maximum age of 70 at the end of the financing period.
- The Customer’s business must have been operating for at least 3 years.
- The Customer’s business must not conflict with Sharia principles.
- The Customer must not be classified as having non-performing credit/financing based on checks with Bank Indonesia and/or the Financial Services Authority (OJK).
- The Customer is required to open a Maybank Giro iB Bisnis account.
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) | ✓ | ✓ |
Product Summary Information
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