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Shari’ah

The type of Shari’ah facilities are inclusive but not limited to the followings:-

Fixed Asset Financing
(Based on Bai’ Bithaman Ajil dan Bai’ Istisna’)

The Bank will consider the financing for the following fixed assets:-

•	Land* (for building of warehouse or storage)
•	Building (completed/under construction/renovation)
•	Machinery/plants/equipments
•	Vehicle (sea, air and land)
•	Mould/jigs/tools
•	Equipments & IT software

Note:-

* Land financing which stand-alone basis is not allowed.

Ijarah Facility (Leasing-i)

Under this facility, the Bank purchase fixed asset specified by Customer and subsequently lease the asset to the Customer with the tenure and conditions agreed by both parties. The asset can be sold to the third party or Customer at the end of the leasing period.

The Bank will consider the financing for the following assets:-

•	Machinery/plant/equipment
•	Vehicle (sea, air and land) financing for the purpose of transportation improvement)

Note:-

•	Fixed assets which is required progressively delivery before use is unsuitable under this facility.
•	Fixed assets must be movable assets (unlike land & building)

Ijarah Thummal Bai’ (Industrial Hire Purchase-i)

The Bank will purchase fixed asset specified by Customer and subsequently lease the asset to the Customer with the tenure and conditions agreed by both parties. The asset will be sold directly to the Customer at the end of the leasing period.

The facility is applicable for the following fixed assets:-

•	Machine/equipment/plants
•	Furnitures/equipments
•	Vehicle (air, sea and land)
•	Equipment and IT software

Working Capital
(Based on Bai’ Bithaman Ajil and Bai’ Inah principle for Fixed Working Capital, and Bai’ Murabahah and Bai’ Dayn for Revolving Working Capital)
The facility can be financed for the following purposes: -

•	Operation expenditure (purchasing raw material, stock and salary)
•	Supply and services contract financing
•	Preliminary expenditure (product development, consultancy and professional fees)
•	Purchasing of technology transfer (patent and goodwill)
•	Advertisement costs
•	To part finance the working capital (cash) which can be transacted with the fixed assets/lands/buildings owned by customer
•	To part finance the working capital (cash) that can be transacted with the assets owned by the Bank and subsequently the Bank repurchases the assets at cost price
•	To part finance the working capital which can be transacted with the machines/equipments/plants owned by customer. The assets which belongs to the Bank will be leased and at the end of the leasing tenure, its will be sold to the customer
•	To finance working capital and other related cost to facilitate the construction or related activities of the projects
•	To finance the working capital through purchase of invoices or debt certificate or payment certificate of completed works

Kafalah Bank Guarantee and Letter of Credit

•	Kafalah Bank Guarantee
•	Letter Of Credit

Both facilities are offered as a package facility with other fixed asset and working capital financing. However, the Bank can consider the package facility under stand-alone basis subject to strength of project and satisfied collateral.

Conventional Financing
Facilities »

Islamic Financing
Facilities »

Tourism Infrastucture
Fund »

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Contract Financing
Scheme »

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Private Finance
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