+603 2603 7700

Commodity Murabahah Term Financing-i (CMTF-i)

CMTF-i is a term financing for fixed asset acquisition and/or working capital and is calculated based on a fixed or variable rate basis.

Shariah Concept

Based on the Shariah principle of Commodity Murabahah via Tawarruq

  • Commodity Murabahah is Murabahah (cost-plus-profit) via Tawarruq arrangement. A Tawarruq consists of two sale and purchase contracts. The first involves the sale of a specified commodity (such as crude palm oil) by the Bank to the Customer on a deferred basis at a cost-plus-profit price over an agreed period of time. Subsequently, the Customer will sell the same commodity to a third party on a cash and spot basis.

Product Disclosure Sheet