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Murabahah (Cost plus)  


Under Murabahah concept, PMBT purchases a commodity in order to supply it to customers who isn’t financially able to make a purchase directly. After that, PMBT will sells the commodity to the customers for the cost plus profit where the profit being mark up and both parties are agreed on the agreement. There are a few types of financing under Murabahah which are asset purchases, equipment & machinery and installment.

Components of murabahah:

  • Contracting parties
  • Asset
  • Price

Structure:

  1. Customers identifies equipment
  2. PMB Tijari purchases the equipment (cost)
  3. PMB Tijari sells the equipment to customer ( cost + profit )
  4. Customer pays the selling price ( cost + profit ) on deferred payment