Usaha Kecil dan Menengah

BNI Syariah Wirausaha

Wirausaha iB Hasanah (WUS) is a productive financing facility designed to serve the financing needs for productive business activities (working and investment capital) that are compliant with shariah principles as well as applicable laws. Advantages: – Faster processing with simple requirements according to shariah principles. – Financing duration of up to 7 (seven) years. – [...]

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BNI Syariah Valas (Foreign Currency)

Pembiayaan Valas iB Hasanah is a financing facility in a foreign currency that is provided by domestic operational units for domestic customers. Advantages Simple requirements that are in keeping with shariah principles. Flexible duration of financing according to the type of financing. Financing is provided for use as working and/or investment capital, with a minimum [...]

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BNI Syariah Kopkar/Kopeg

Pembiayaan Kerjasama Kopkar/Kopeg iB Hasanah is a mudharabah productive financing facility wherein BNI Syariah as fund owner executes financing to worker cooperatives (Koperasi Karyawan (Kopkar)/Koperasi Pegawai (Kopeg)) to subsequently be distributed to their members/end-users. Requirements for Kopkar/Kopeg The cooperative has been operating commercially for at least 3 years. Complete and valid business legality (Articles of [...]

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BNI Syariah Dealer iB Hasanah

Dealer financing is a cooperation scheme that takes advantage of the potential for collective motor vehicle financing that involves end-users in significant numbers. This scheme requires considerable human resources in distributing, monitoring and settling payments. Benefits For Dealers: Contributes to an increase in motor vehicle sales by distributing bank-financed loans. Provides a useful alternative given [...]

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BNI Syariah Tunas Usaha

Tunas Usaha iB Hasanah (TUS) is a financing facility under the syariah principle that is provided for feasible but not yet bankable productive businesses to be used as working and/or investment capital. This facility is for supporting the implementation of Presidential Instruction No. 6 of 2007. Advantages – Faster processing with straightforward requirements in accordance [...]

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BNI Syariah Usaha Kecil (Small Businesses)

Usaha Kecil iB Hasanah is a financing facility based on shariah principles that is available for small entrepreneurs to be used for productive purposes (working and/or investment capital). Advantages Simple, straightforward requirements that are in keeping with shariah principles. Financing duration of up to 7 (seven) years. Financing limit of up to Rp 10 (ten) [...]

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BNI Syariah Linkage

Linkage Program iB Hasanah is a financing facility where in BNI Syariah as fund owner executes financing to shariah financial institutions (Lembaga Keuangan Syariah/LKS (BMT, BPRS, KJKS, etc)to subsequently be distributed to end-users (micro, small, medium shariah entrepreneurs).Cooperating with shariah financial institutions can be carried out directly or via an Accompanying Institution Benefits For Accompanying Institutions Obtain financing certainty for assisted businesses Receive Ujrah/fee from shariah financial institutions (LKS) For Shariah Financial Institutions (Lembaga Keuangan Syariah, LKS) Aids in the empowerment of shariah financial institutions in Indonesia as micro finance institutions. A source of additional funds for shariah financial institutions. Raises BNI Syariah’s trust in shariah financial insititutions. Accelerates the even distribution of shariah funding to micro, small and medium businesses in the context of helping to reduce poverty. LKS Requirements For Shariah Financial Institutions (Lembaga Keuangan Syariah, LKS) The institution must have legal entity status, and have been in commercial operation for at least 3 years. To provide annual financial reports from the last 3 years. (In the last annual report, the LKS must have recorded a profit and the financial reports must be audited reports for a credit facility > 5 billion) The management, owner and institution itself must not be listed in Bank Indonesia’s Black List or on the list of non-performing loans. To submit a copy of the company’s NPWP, as well as the management personnel’s NPWP. Copy of KTP (identification document) of management personnel Financing Contract A Mudharabah/Musyarakah contract is used in providing financing to shariah financial institutions, whereas the financing contract between shariah financial institutions and end-users can be adjusted to different needs (Murabahah, Mudharabah, Musyarakah, Ijarah). Duration of Cooperation Agreements A Cooperation Agreement between BNI Syariah and a shariah financial institution has a maximum duration of 3 (three) years and is extendable subject to an evaluation. Profit-sharing/margin fee Profit-sharing nisbah for shariah financial institutions refers to the prevailing rate at BNI Syariah, whereas the margin rate for end-users is determined by shariah financial institutions but must not exceed 30% p.a.

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