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.


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.