Cost Plus (Murabahah) Working Capital


This product is a simple and effective method of financing the purchase of raw materials for business needs within the country. With the Cost Plus (Murabaha) Working Capital, the Bank will appoint the customer as its agent to source for the goods/asset they need and obtain a proforma invoice in the name of the Bank.

The customer is informed of total cost price and profit, and payment to the Bank is usually agreed at a future date either in installments or as a lump sum. Subsequently, the Bank will purchase the goods after making payment to the supplier, while the customer takes delivery of the goods.

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