Products for the Debtor (Mudharib)
MUDHARABAH FINANCING
It’s a financing facility to support and help the customer business, based on the agreement that arranged the profit sharing. The bank will carry the responsibility if the business suffered from financial loss, exclude the loss caused by mismanagement and deviation from the customer itself.
Type of business enable to have the financing facility are trading, industry, manufacturing, contract business, working capital, investment, etc.
General requirement (rupiah and US Dollar financing)
| Consumptive financing with minimum submission Rp. 50 million (plafond) |
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Age 21-54 years old |
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Minimum 2 years of working experience |
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A copy of married couple ID Card |
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A copy of residency card |
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A copy of marriage certificate |
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An identification letter from husband or wife |
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Salary Receipt of the last 3 months |
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A recommendation letter from the company |
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A copy of NPWP (for submission above Rp. 100 million) |
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Bank account statement of the last 3 months |
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A copy of collateral letter (land, property or vehicle) |
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Installments is not more than 40% from basic salary |
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| Cooperation financing |
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Submission letter |
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A copy of NPWP |
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A copy of SIUP (Trade Business Permit) |
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A copy of TDP |
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Statutes and rules of association of cooperation, including all changes |
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Attestation letter from the Department of Cooperation |
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The organization structure approved by the Department of Cooperation |
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Financial statement of the last 2 years |
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Annual budget meeting of the last 2 years |
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Cash flow projection during the financing period |
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Collateral data |
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Other official documents |
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Customer must open new account in Muamalat Bank |
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| Corporation financing (PT/CV) |
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A submission letter |
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A copy of NPWP |
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A copy of SIUP |
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A copy of TDP and other official documents or permit |
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A copy of one of the CEO’S ID Card |
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Company Profile |
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Company Establishment document, including all changes |
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Attestation letter from The Department of Justice |
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A copy of current account of the last 3 months |
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Financial statement of the last 2 years |
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Cash flow projection during the financing period |
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Collateral data |
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Other official documents |
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Customer must open new account in Muamalat Bank |
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