Musyarakah is a form of financing with a joint business cooperation scheme (syirkah), where the Bank and the Customer jointly place funds as capital for the Customer's business in accordance with the agreed portion of their respective funds. Profits generated from business activity will be shared according to the agreed ratio, while losses are borne according to each portion of the funds.

With the Musyarakah scheme, You can use this scheme either for business investment or working capital, for short term or long term with the flexibility of installment/payment.

This financing facility can be used for financing a project or financing the need for procurement of investment goods or business working capital.

In this financing scheme, the Customer is required to submit business report (sales realization/financial statement) to the Bank in order to determine the business profit sharing.