Bai’ Al Dayn Working Financing-i (BWCF)

Bai’ Al Dayn refers to the sale of a debt arising from trade and services transaction in the form of a deferred payment sale. The customer sells this debt to the Bank at a discount.

 

Benefits

  • Customer gets paid from the Bank before realization of the sale.
Features
  • The cost must be revealed;
  • The price and tenure of the lump-sum deferred payment must be agreed upon by the Bank and the customer;
  • The Bank appoints customer as an agent to sell on its behalf;
  • Only trade transaction on usance term is allowed;
  • Financing for finished goods.
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