BNI Syariah possesses the Islamic finance expertise, technology and network to cater to Indonesia’s large scale businesses and organisations. BNI Syariah’s Islamic corporate financing products offer key services such as for FOREX, import and export as well as working capital financing.
The Usaha Besar iB Hasanah product is an Islamic financing facility designed to serve as working capital or investment funds for medium and large scale enterprises. Customers benefit from a competitive rate, efficient administrative procedures for approval and the option of having the account denominated in Rupiah or a foreign currency.
The Sindikasi iB Hasanah is a financing product undertaken through syndication between BNI Syariah and one or more financial institutions to fund projects with all financing parties subject to the same conditions. BNI Syariah uses this method to collaborate on ground-breaking projects such as for infrastructure, construction and business financing by bringing together various sources of expertise on the project in question.
The Wirausaha iB Hasanah and Usaha Kecil iB Hasanah offer easy access to working capital for investments and business financing for small and medium enterprises (SMEs). The administrative processes have been effectively streamlined for a quick and efficient approval process with a low down payment of just 10%.
New businesses and micro enterprises have traditionally been a high risk and un-bankable sector of the Indonesian economy. BNI Syariah has recognised the potential of the sector and now offers the Tunas Usaha iB Hasanah product which gives new businesses a capital financing period of up to 3 years and investment period of up to 5 years for loans starting from 20 million IDR to 500 million IDR.
In addition to working directly with small businesses, BNI Syariah undertakes partnerships with third party organisations to distribute funds in line with shariah banking principles. The iB Hasanah Linkage Programme is a facility through which BNI Syariah disperses funds to Islamic financial institutions engaged in activities such as micro finance lending in order to channel financing to Islamic SMEs in Indonesia. The Kopkar/Kopeg iB Hasanah programme works directly with cooperatives from a broad range of industries throughout Indonesia whereby BNI Syariah manages the fund and disperses funds to cooperative employees under the Islamic principle of mudharabah.