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Products and Services
- Financial Product
The Financing products offered by ALIF area as follows:
- Ijarah (Lease)
A contract between a financing company (Muajjir) and a customer (Mustajir) in which the customer agress to rent a company's asset and pay the fee.
- Ijarah Muntahia Bittamlik (Lease and Purchase)
A contract between a company (Muajjir) and a customer (Mustajir), in which the customer agrees to rent an asset for a fee during a certain period and when the rental contract expires, the company offers the ownership of the asset to the customer.
- Murabahah (Sale and Purchase)
A sale and purchase contract, in which the bank agrees to sell an assets to the customer at the purchase price plus a preagreed profit margin. The sale price must not change during the period of contract.
- Advisory Services
- Financing Arranger
A service to assist a company and/or a project in Indonesia to obtain financing from overseas, Gulf area in particular and OIC member countries in general. A comprehensive service of ALIF covers among others: origination of financing source, negotiation on terms and conditions, finalization of financing agreement and disbursement of the financing.
- Agen Pengelola Jaminan
A service for foreign financial institutions planning to finance some projects in Indonesia by providing maximum security arrangement including in-depth analysis of the Indonesian economic conditions, the particular industry and the project, designing the appropriate financing terms and conditions as well as providing insurance services covering political risk in co-operation with the Islamic Corporation for the Insurance of Investments and Export Credits (ICIEC), a Jeddah - Based IDB Subsidiary.
- Pengaturan Asuransi Ekspor
In coorperation with ICIEC, ALIF also provides insurance services to Indonesian companies planning to export their products overseas as well as to financial institutions in supporting export activities of their clients.
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