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What is Invoice Financing?
Based on DSN MUI's Fatwa
Based on DSN MUI Fatwa
Number 117/DSN-MUI/II/2018
Financing in the form of receivable collection management services based on invoices, either accompanied or without bailouts (qardh) which is given to a business entity who have invoices to a third party (Payer).
2 Types of Invoice Financing
Which one is the most suitable for you?
Account Receivable Financing
Financing accompanied by billing on invoices to a third party (Payer)
Financing Amount
Rp 1 Mio - Rp 2 bio
Margin/Ujrah
Effectively 12% - 20% p.a.
Service Fee
1% - 5% per disbursement
Tenor
14 s.d. 180 days
Repayment
In the end of the tenor
Akad Used
Qardh & Wakalah bil ujrah
Supply Chain Financing
Financing given to a third party from
ALAMI's partner company
Financing Amount
Rp 75 mio - Rp 2 bio
Margin/Ujrah
Effectively 12% - 20% p.a.
Service Fee
1% - 5% per disbursement
Tenor
14 s.d. 180 days
Repayment
In the end of the tenor
Akad Used
Qardh & Hawalah bil Ujrah
Murabahah & Musyarakah
Murabahah & Musyarakah
Invoice Financing Scheme in ALAMI
ALAMI's Invoice Financing Scheme
Apply Financing
Beneficiary has an unpaid invoice(s) and apply for a financing
Analyze Submission
ALAMI analyzes the application and if approved, ALAMI will offer a collection service to Funders
Funding
A funding project will appear at ALAMI. Funders will provide funding
Invoicing
When a funding project is full, ALAMI disburses the funds to the Beneficiary and performs collection services
Repayment
Beneficiary returns funds (including returns/Ujrah) through ALAMI
Funder Receive Returns
Funders receive a repayment (principal and yield)
(
1
/
6
)
Apply Financing