Islamic Financing

As an alternative to our conventional financing products, we offer a wide range of Islamic financing products, including i-Lease, i-Hire Purhase, i-Factoring, and i-Rental, complying with the provisions and principles of Shariah (Islamic Law) to suit your financing and business needs.

i-LEASE (AL IJARAH MUNTAHIYA BI TAMLEEK)

i-LEASE(AL IJARAH MUNTAHIYA BI TAMLEEK)

i-Lease is a facility offered to business enterprises for the leasing of equipment for commercial purposes. i-Lease Agreements shall be entered between the Lessee and ORIX as the Lessor and is based on the concept of Al Ijarah Muntahiya Bi Tamleek. The Ownership of the Equipment remains with the Lessor while the Lessee only owns the right of use (usufruct) of the Equipment.

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Product Disclosure Sheet

i-HIRE PURCHASE (AL IJARAH THUMMA AL BAY)

i-HIRE PURCHASE (AL IJARAH THUMMA AL BAY)

i-Hire Purchase is based on the concept of Al Ijarah Thumma Al Bay. It is a hiring contract, where the Hirer hires the Goods with the intention to purchase the Goods. The Ownership of the Goods shall be passed to the Hirer at the end or upon the completion of the hiring period and the payment of all monies thereunder.

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Product Disclosure Sheet

i-FACTORING

i-FACTORING(BAY AL DAYN)

i-Factoring follows the concept of Bay Al Dayn, an Arabic term for Sale and Purchase transactions involving quality debt. ORIX as the Factor will purchase selected debts in the form of invoices from its Client. The payment of the invoice will then be paid to ORIX by the Client’s Customer. This facility enables Clients to improve their cashflow and eliminate collection problems.

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Product Disclosure Sheet

i-RENTAL (Operating Ijarah)

i-RENTAL(OPERATING IJARAH)

We provide custom fit rental solutions based on a Shariah concept. Available only in Malaysia and for ICT & Office Automation Equipment, Test & Measurement Equipment, and Medical Equipment for short- and long-term rental.

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Product Disclosure Sheet