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Additional capital goods (assets) can be obtained through leasing to the Bank
You can own the Bank financed asset at the end of the lease period or according to your needs
Assets are not recorded as liabilities in the Customer's Balance Sheet during the lease period
Effective financial management
With the principle of renting, business planning run effectively
Financing based on sharia principles that transfers the right to use or benefit from an item based on a lease transaction (ijarah agreement) with an option (promise/wa’d) to transfer ownership of the item to the lessee after the completion or termination of the ijarah agreement. Adding assets based on the lease principle makes your business easier and more efficient because to obtain assets you can rent them from the Bank. For more information or submission, contact your Relationship Manager.
RIPLAY
| Documents | Individual | Business Entities |
|---|---|---|
| Financing Application Form Signed by Prospective Customer | ✓ | ✓ |
| Copy of Applicant’s ID Card + Husband/Wife | ✓ | – |
| Copy of Family Register | ✓ | – |
| Copy of Marriage/Divorce/Separation of Property Certificate (if any) | ✓ | – |
| Copy of Taxpayer Identification Number (NPWP) | ✓ | ✓ |
| Copy of Company Establishment Deed and Changes to Business Entity (PT/CV/Firm) | – | ✓ |
| Copy of ID Card (Management and Shareholders) | – | ✓ |
| Copy of Business License (SUIP), Company Registry Insignia (TDP), Business Registration Number (NIB), Certificate of Domicile or Similar Documents* | ✓ | ✓ |
| Copy of the Latest Certificate, Building Permit (IMB), and Land & Building Tax | ✓ | ✓ |
| Copy of Account Statement/Last 6 Months Saving Account | ✓ | ✓ |
*) For individuals are required to attach one of the documents
Written agreement between the Bank and other parties that contains the rights and obligations of each party in accordance with Sharia Principles.
The principles of Islamic law in banking activities are based on fatwas issued by institutions that have the authority to determine fatwas in the field of sharia.
The distribution of profit of Bank Syariah to the Deposit Customers is based on the agreed ratio every month. Revenue sharing depends on the amount and duration of deposits and bank income for the period. The amount of profit sharing is calculated based on bank revenue so that the customer must obtain profit sharing and not lose the principal savings.
The board is tasked with giving advice and advice to the Directors and overseeing the activities of the Sharia Business Unit to be in accordance with Sharia Principles.
Transaction of fund investment from the owner of the fund (shahibul mal) to the fund manager (mudharib) to carry out certain business activities in accordance with Sharia Principles, with the distribution of results of business between the two parties based on a mutually agreed ratio.
Funds or goods deposit transaction from the owner to the depositor of funds with an obligation for the depositing party to return the funds or goods deposited at any time or in accordance with the agreement.
Buying and selling transactions of goods at the acquisition price plus the margin agreed upon by the parties, where the seller informs the buyer in advance of the acquisition price.
Agreement of representation between one party to another. Wakalah is usually applied for making Letter of Credit, for purchasing goods abroad (L/C Import) or forwarding requests
Collaboration between two or more parties having funds and/or goods to carry out certain businesses in accordance with Sharia Principles by sharing the results of operations in accordance with the amount of capital ownership of each party or based on a mutually agreed ratio.
Collaboration between two or more owners of funds and/or goods to carry out certain businesses in accordance with Sharia Principles with the distribution of operating results in accordance with the amount of capital ownership of each party or based on a mutually agreed ratio, then one party gradually buys the other party's capital ownership, so that at the end of the cooperation period one party has the entire capital (100%).
The amount of profit agreed between the Bank and the Customer for financing transactions with a sale and purchase agreement (murabahah). Financing margins are fixed (fixed) unchanged throughout the term of the financing.
Share of profit sharing between the Bank and the Customer of funding and financing transactions with profit sharing agreements (mudharabah and musyarakah).
Lease transactions of goods and/or services between the owner of the object for lease, including ownership of the right to use the object for rent and the lessee to get compensation for the leased object.
Borrowing transactions without compensation for the obligations of borrowing party to repay the loan principal in one lump sum or installments within a certain period.
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