Investment Financing iB

It is an investment financing aimed at the rehabilitation, modernization, and expansion of productive businesses, such as the purchase of land, land and buildings, and vehicles for business purposes

Benefits

Various types of contracts are available according to the needs of customers
Withdrawals can be made in full or in stages
Repayments can be made in installments

Features

Various types of contracts are available, namely:
- Murabahah where BCA Sharia finances the purchase of investment necessities requested by the Customer at the cost price plus an agreed-upon bank profit margin.
- Musyarakah Mutanaqisah (MMQ) where BCA Sharia finances a portion of the investment needs to be leased by the Customer using the profit and loss sharing method based on the agreed-upon ratio.
- Ijarah Muntahiya Bit Tamlik (IMBT) where BCA Sharia finances the ownership of investment necessities requested by the Customer with a lease principle and ends with the transfer of the goods to the Customer.
The tenure can be up to 10 years, adjusted to the purpose of the financing usage.

Customer Requirements

Here are the requirements that must be fulfilled by (prospective) customers or authorized representatives of customers in the form of business entities:

Legal capacity
Fulfill one of the following criteria:
- Indonesian citizen (WNI) at least 21 years old or married (for individual customers)
- In accordance with the Articles of Association and applicable legal provisions (for business customers)
Have the ability and willingness to repay the provided financing
Not in a state of bankruptcy
Not listed in the blacklist and bad credit list of the Regulator

Document Requirements

NO	DOCUMENT	APPLICANT
NO	DOCUMENT	INDIVIDUAL	COMPANY
1	Photocopy of identity card (e-KTP)	✓	✓ (Identity card of the authorized party to carry out the financing transaction)
2	Photocopy of Family Card (KK)	✓	-
3	Original domicile certificate from local sub-district (for out-of-town identity cards)	✓	✓
4	Original Letter of Different Name/Signature Statement (if there is a difference in name/signature)	✓	✓
5	Photocopy of Tax Identification Number (NPWP)	✓	✓ (Company and Management NPWP)
6	Photocopy of Trading Business License (SIUP) / other business license	✓ (If the financing facility is used to finance the business entity)	✓
7	AMDAL/UKL-UPL (for manufacturing and plantation industry customers)	✓	✓
8	Photocopy of Company Registration Certificate (TDP)	✓ (If the financing facility is used to finance the business entity with a ceiling > Rp 500 million)	✓ (For financing facilities with a ceiling > Rp 500 million)
9	Photocopy of Domicile Letter	-	✓
10	Photocopy of Articles of Association / Founding Deed and its amendments approved by the Minister of Law and Human Rights of the Republic of Indonesia.	-	✓
11	Photocopy of Republic of Indonesia State Gazette (BNRI).	-	✓
12	Original Articles of Association Submission Letter (SPAD)	-	✓
13	Photocopy of Separate Property Agreement Letter (if separate property)	✓	-
14	Original Husband/Wife Consent Letter (if not separate property and pledge collateral)	✓	-
15	Photocopy of Marriage Certificate (if married)	✓	-
16	Photocopy of account mutation for the last 3 months	✓	✓
17	Photocopy of proof / business transaction records	✓	-
18	Company Financial Report (Balance Sheet and P/L) for the last 3 years	-	✓
19	Original Reference Letter (if needed)	✓	✓

Costs

Customers are not charged a commission fee. Customers may be subject to administrative fees and other fees related to the financing process, such as collateral appraisal fees, notary fees, and others, according to the applicable regulations at the Bank.

Important to Note

Customers may be subject to fines according to the Bank's regulations in case of late payment of customer obligations, which may affect the downgrade of the financing collectibility status at Bank Indonesia.
Customers may be subject to fees related to the financing process according to the Bank's regulations.

Additional Information

Murabahah is a transaction of buying and selling a commodity at the cost price plus a mutually agreed upon margin (profit) by the Bank and the Customer

Musyarakah Mutanaqisah (MMQ) is a Musyarakah or partnership where the ownership of assets (goods) or capital of one party (partner) is gradually reduced due to the phased purchase (Bai') by another party.

Ijarah Muntahiya Bit Tamlik (IMBT) is a lease agreement accompanied by the option of transferring ownership rights to the lessee after the lease period ends.