BNI Syariah Multifinance

Financing for multifinance is the disbursement of a direct payment with an executing method to a multifinance institution for its business as a financing company in accordance with shariah principles.


  • Financing through BNI Syariah Multifinance is limited to a maximum of Rp 75,000,000,000.
  • The maximum financing limit in cooperating with multifinance companies can also be subject to further adjustments based on a projection of the financing needs for end-users.
  • The period of the payment limit collection is 1 (one) year.
  • The duration of the financing contract for multifinance companies is equal to the duration of financing for end-users up to a maximum of 7 years from the contract signing date.


A maximum financing limit and a Musyarakah/Murabahah agreement will be created.

Requirements for Multifinance Companies.

  • Has legal entity status and has been in commercial operation for at least 3 (three) years, unless already a BNI Syariah customer.
  • Complete and valid business legality (SIUP, TDP, NPWP, Permit from the Minister of Finance, and other documents in accordance with applicable multifinance regulations).
  • Has been a savings customer and/or a financing customer at BNI Syariah or another bank for a minimum of 6 months.
  • Possess a proven track record of good business performance encompassing at least (3) three years.
  • Good management credibility (with regards to experience, integrity, education, organization structure and succession planning).
  • To submit audited financial reports from the last 3 (three) years.
  • Having had an information assessment result from Bank Indonesia with current collectability.
  • To possess an analysis and financing contract system that adheres to shariah principles.


  • Small fee, pursuant to existing regulations
  • Certificate of Motor Vehicle Ownership (BPKB) storage fee: A minimum one-time charge of Rp 15,000 per certificate until settlement.
  • Fee for notary deed in accordance with the applicable terms.