Al-Murabahah refers to the sale of good at a price, which includes cost plus as agreed by both seller and the buyer. This is a contract where the commodity exchanged for is delivered immediately and the price is paid in lump sum at a later date.

Features • Undertaking to pay by the Bank; • The Bank appoints the customer as purchasing agent; • Upon arrival of the complied documents, the Bank pays the negotiating bank by utilizing its own funds; • The bank sells the goods to the customer (purchasing agent) at a selling price comprising its cost and profit margin. Settlement by customer on deferred payment; • Bank provides financing.		Benefits • Purchase goods on credit and enjoy the cash price from the supplier; • Obtain financing from the Bank; • Pays the bank on deferred term; • Rebate may be given on early settlement.

Al-Musyarakah is defined as a joint venture on profit / loss sharing between a bank and customer whereby the customer has to contribute part of the capital in a joint venture project. The profit derived from the project shall be distributed at a profit ratio as agreed between the bank and the customer.

Features • Project/contract is required; • Customer places with the bank a deposit for his share of the cost of goods to be purchased (marginal deposit); • Bank accepts the deposit under the principle of Al-Wadiah Yad Dhamanah. Payment made by the bank by utilising the customer's deposit as well as its own share of financing; • Upon completion of the project, the parties share the profit/loss.		Benefits • Customer shares the profit from the venture as provided in this agreement; • The absolute return on the investment depends on the profitability of the venture.