Aman

Easy

Fully financing the customer’s needs for business capital

Mudah

Profit Sharing

A fixed profit sharing ratio between the Bank and the Customer

Online

Light

Installments may vary depending on the level of revenue or realization of the customer’s business (revenue sharing).

Produk BSM

BSM Profit Sharing Financing (Mudharabah) is financing in which all the working capital required by a customer is borne by a bank. The profits reaped are shared on a pre-agreed ratio.

Financing Requirements

Description
Entity
Individual

Personal and partner IDs

-
v

Family certificate and marriage certificate

-
v

A copy of the 3 months’ bank account statements

v
v

Deed of business establishment

v
-

Management IDs

v
-

Business legality

v
v

2 years’ financial statements

v
v

2 years’ past performance

v
v

12 month business plan

v
v

Financing object data

v
v

 

What are the requirements?

Facilities:

  • Financing in rupiah or US Dollar
  • Profits are shared as agreed upon
  • Flexible financing repayment mechanism (monthly or in the period-end)
  • Profit sharing is calculated on the revenue sharing
  • Financing in Rupiah and US Dollar is allowed.
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