{"id":322,"date":"2016-08-03T15:08:52","date_gmt":"2016-08-03T15:08:52","guid":{"rendered":"http:\/\/unifytrade.com\/dibbeta\/?page_id=322"},"modified":"2025-05-29T14:36:49","modified_gmt":"2025-05-29T09:36:49","slug":"business-short-term-products","status":"publish","type":"page","link":"https:\/\/www.dibpak.com\/index.php\/business-short-term-products\/","title":{"rendered":"Business Short Term Products"},"content":{"rendered":"

[vc_row][vc_column][vc_column_text el_class=”topcss”]<\/p>\n

Financing for Working Capital<\/h2>\n\n\n\n\n\n\n\n\n\n\n\n\n
Details of Product<\/td>\nMurabaha – Where transaction is done on a \u201ccost plus profit\u201d basis i.e. the seller discloses the cost to the buyer and adds a certain profit to it to arrive at the final selling price. Mainly used for Procurement of Raw Material; for meeting working capital needs of trade and industry<\/td>\n<\/tr>\n
Targeted Sector<\/td>\nAll Sector – There is requirement of procuring Raw Material<\/td>\n<\/tr>\n
Type of SMEs<\/td>\nAll Business Concerns<\/td>\n<\/tr>\n
Amount<\/td>\nNo Limits (Varies from case to case), within SME approved criteria<\/td>\n<\/tr>\n
Product Specification<\/td>\nCollateral based<\/td>\n<\/tr>\n
Repayment Mode<\/td>\nAt spot, In installments or In lump sum after a certain time<\/td>\n<\/tr>\n
Collateral Requirement<\/td>\nCash, Charge, Pledge, Hypo, Collateral<\/td>\n<\/tr>\n
Pricing<\/td>\nVaries from case to case – Relevant KIBOR + Agreed Basis Points (with customer)<\/td>\n<\/tr>\n
Documents<\/td>\nVaries from case to case – Visit our nearest designated branch for facilitation.<\/td>\n<\/tr>\n
Designated Branches<\/td>\nAll Branches\u00a0 (Designated branch list attached)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n\n\n\n\n\n\n\n\n
Details of Product<\/td>\nImport Murabaha – Settlement\/Retirement of SLC (Funded facility)<\/td>\n<\/tr>\n
Targeted Sector<\/td>\nAll Sector<\/td>\n<\/tr>\n
Type of SMEs<\/td>\nAll Business Concerns<\/td>\n<\/tr>\n
Amount<\/td>\nNo Limits (Varies from case to case), within SME approved criteria<\/td>\n<\/tr>\n
Product Specification<\/td>\nCollateral based<\/td>\n<\/tr>\n
Repayment Mode<\/td>\nAt spot, In installments or In lump sum after a certain time<\/td>\n<\/tr>\n
Collateral Requirement<\/td>\nCash, Charge, Pledge, Hypo, Collateral<\/td>\n<\/tr>\n
Pricing<\/td>\nVaries from case to case – Relevant KIBOR + Agreed Basis Points (with customer)<\/td>\n<\/tr>\n
Documents<\/td>\nVaries from case to case – Visit our nearest designated branch for facilitation.<\/td>\n<\/tr>\n
Designated Branches<\/td>\nAll Branches\u00a0 (Designated branch list attached)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n\n\n\n\n\n\n\n\n
Details of Product<\/td>\nSpot Murabaha – Settlement\/Retirement of SLC (Funded facility)<\/td>\n<\/tr>\n
Targeted Sector<\/td>\nAll Sector<\/td>\n<\/tr>\n
Type of SMEs<\/td>\nAll Business Concerns<\/td>\n<\/tr>\n
Amount<\/td>\nNo Limits (Varies from case to case), within SME approved criteria<\/td>\n<\/tr>\n
Product Specification<\/td>\nCollateral based<\/td>\n<\/tr>\n
Repayment Mode<\/td>\nAt spot<\/td>\n<\/tr>\n
Collateral Requirement<\/td>\nCash, Charge, Pledge, Hypo, Collateral<\/td>\n<\/tr>\n
Pricing<\/td>\nVaries from case to case – Relevant KIBOR + Agreed Basis Points (with customer)<\/td>\n<\/tr>\n
Documents<\/td>\nVaries from case to case – Visit our nearest designated branch for facilitation.<\/td>\n<\/tr>\n
Designated Branches<\/td>\nAll Branches\u00a0 (Designated branch list attached)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n\n\n\n\n\n\n\n\n
Details of Product<\/td>\nFIM Murabaha – Settlement\/Retirement of SLC (Funded facility)<\/td>\n<\/tr>\n
Targeted Sector<\/td>\nAll Sector<\/td>\n<\/tr>\n
Type of SMEs<\/td>\nAll Business Concerns<\/td>\n<\/tr>\n
Amount<\/td>\nNo Limits (Varies from case to case), within SME approved criteria<\/td>\n<\/tr>\n
Product Specification<\/td>\nCollateral based<\/td>\n<\/tr>\n
Repayment Mode<\/td>\nSpot Rate<\/td>\n<\/tr>\n
Collateral Requirement<\/td>\nCash, Charge, Pledge, Hypo, Collateral<\/td>\n<\/tr>\n
Pricing<\/td>\nVaries from case to case – Relevant KIBOR + Agreed Basis Points (with customer)<\/td>\n<\/tr>\n
Documents<\/td>\nVaries from case to case – Visit our nearest designated branch for facilitation.<\/td>\n<\/tr>\n
Designated Branches<\/td>\nAll Branches\u00a0 (Designated branch list attached)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n\n\n\n\n\n\n\n\n
Details of Product<\/td>\nShares Murabaha- Financing for purchase of Shari\u2019ah compliant shares extended to Stock Brokers & individuals where the transaction is done on \u201ccost plus profit\u201d basis.<\/td>\n<\/tr>\n
Targeted Sector<\/td>\nAll Sector<\/td>\n<\/tr>\n
Type of SMEs<\/td>\nAll Business Concerns<\/td>\n<\/tr>\n
Amount<\/td>\nNo Limits (Varies from case to case), within SME approved criteria<\/td>\n<\/tr>\n
Product Specification<\/td>\nCollateral based<\/td>\n<\/tr>\n
Repayment Mode<\/td>\nAt spot, in Installments or in lump sum after a certain time<\/td>\n<\/tr>\n
Collateral Requirement<\/td>\nCash, Charge, Pledge, Hypo, Collateral, Shares<\/td>\n<\/tr>\n
Pricing<\/td>\nVaries from case to case – Relevant KIBOR + Agreed Basis Points (with customer)<\/td>\n<\/tr>\n
Documents<\/td>\nVaries from case to case – Visit our nearest designated branch for facilitation.<\/td>\n<\/tr>\n
Designated Branches<\/td>\nAll Branches\u00a0 (Designated branch list attached)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Financing for Working Capital \u2013 Finished Goods<\/h2>\n\n\n\n\n\n\n\n\n\n\n\n\n
Details of Product<\/td>\nWakala Istithmar – It means Investment Agency whereby one party (principal) appoints another party as its agent, to invest the capital provided by the agent.<\/td>\n<\/tr>\n
Targeted Sector<\/td>\nAll Sector<\/td>\n<\/tr>\n
Type of SMEs<\/td>\nAll Business Concerns<\/td>\n<\/tr>\n
Amount<\/td>\nNo Limits (Varies from case to case), within SME approved criteria<\/td>\n<\/tr>\n
Product Specification<\/td>\nCollateral based<\/td>\n<\/tr>\n
Repayment Mode<\/td>\nSpot – Upon receipt of Sales Proceeds from the Ultimate Buyer(s)<\/td>\n<\/tr>\n
Collateral Requirement<\/td>\nCash, Charge, Pledge, Hypo, Collateral<\/td>\n<\/tr>\n
Pricing<\/td>\nVaries from case to case – Relevant KIBOR + Agreed Basis Points (with customer)<\/td>\n<\/tr>\n
Documents<\/td>\nVaries from case to case – Visit our nearest designated branch for facilitation.<\/td>\n<\/tr>\n
Designated Branches<\/td>\nAll Branches\u00a0 (Designated branch list attached)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n\n\n\n\n\n\n\n\n
Details of Product<\/td>\nTijarah cum Wakala- Based on sale (Musawamah) structure for commercial needs of the customer, where DIBPL purchases finished goods which are ready to sell to the buyers.<\/td>\n<\/tr>\n
Targeted Sector<\/td>\nAll Sector (Except Service Industry)<\/td>\n<\/tr>\n
Type of SMEs<\/td>\nAll Business Concerns<\/td>\n<\/tr>\n
Amount<\/td>\nNo Limits (Varies from case to case), within SME approved criteria<\/td>\n<\/tr>\n
Product Specification<\/td>\nCollateral based<\/td>\n<\/tr>\n
Repayment Mode<\/td>\nAt Spot, in installments or in lump sum after certain time.<\/td>\n<\/tr>\n
Collateral Requirement<\/td>\nCash, Charge, Pledge, Hypo, Collateral<\/td>\n<\/tr>\n
Pricing<\/td>\nVaries from case to case<\/td>\n<\/tr>\n
Documents<\/td>\nVaries from case to case – Visit our nearest designated branch for facilitation.<\/td>\n<\/tr>\n
Designated Branches<\/td>\nAll Branches\u00a0 (Designated branch list attached)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Financing for Working Capital \u2013 Manufacturing<\/h2>\n\n\n\n\n\n\n\n\n\n\n\n\n
Details of Product<\/td>\nWakala Istithmar – Pre Manufacturing means Investment Agency whereby one party (principal) appoints another party as its agent, to invest the capital provided by the agent.<\/td>\n<\/tr>\n
Targeted Sector<\/td>\nAll Sector<\/td>\n<\/tr>\n
Type of SMEs<\/td>\nAll Business Concerns<\/td>\n<\/tr>\n
Amount<\/td>\nNo Limits (Varies from case to case), within SME approved criteria<\/td>\n<\/tr>\n
Product Specification<\/td>\nCollateral based<\/td>\n<\/tr>\n
Repayment Mode<\/td>\nSpot – Upon receipt of Sales Proceeds from the Ultimate Buyer(s)<\/td>\n<\/tr>\n
Collateral Requirement<\/td>\nCash, Charge, Pledge, Hypo, Collateral<\/td>\n<\/tr>\n
Pricing<\/td>\nVaries from case to case – Relevant KIBOR + Agreed Basis Points (with customer)<\/td>\n<\/tr>\n
Documents<\/td>\nVaries from case to case – Visit our nearest designated branch for facilitation.<\/td>\n<\/tr>\n
Designated Branches<\/td>\nAll Branches\u00a0 (Designated branch list attached)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n\n\n\n\n\n\n\n\n
Details of Product<\/td>\nIstisna Cum Wakala – Contract of sale of specified item. Working Capital requirement of customer can be fulfilled.\u00a0\u00a0 Istisna\u2019a is a contract of sale of specified items to be manufactured ISTISNA\u2019(or constructed), with an obligation on the part of the manufacturer(or contractor) to deliver them to the Customer upon completion.<\/td>\n<\/tr>\n
Targeted Sector<\/td>\nAll Sector<\/td>\n<\/tr>\n
Type of SMEs<\/td>\nAll Business Concerns<\/td>\n<\/tr>\n
Amount<\/td>\nNo Limits (Varies from case to case), within SME approved criteria<\/td>\n<\/tr>\n
Product Specification<\/td>\nCollateral based<\/td>\n<\/tr>\n
Repayment Mode<\/td>\nSpot – Upon receipt of Sales Proceeds from the Ultimate Buyer(s)Upon sale of goods (either to 3rd Party or in Local Market)<\/td>\n<\/tr>\n
Collateral Requirement<\/td>\nCash, Charge, Pledge, Hypo, Collateral<\/td>\n<\/tr>\n
Pricing<\/td>\nVaries from case to case – Relevant KIBOR + Agreed Basis Points (with customer)<\/td>\n<\/tr>\n
Documents<\/td>\nVaries from case to case – Visit our nearest designated branch for facilitation.<\/td>\n<\/tr>\n
Designated Branches<\/td>\nAll Branches\u00a0 (Designated branch list attached)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n\n\n\n\n\n\n\n\n
Details of Product<\/td>\nSalam cum Wakala- A sales contract meeting conditions of Salam for accommodating commercial needs of customers. The bank provides spot payment to customer for differed delivery of goods\/ commodity.<\/td>\n<\/tr>\n
Targeted Sector<\/td>\nAll Sector (Except Service Industry & Traders)<\/td>\n<\/tr>\n
Type of SMEs<\/td>\nAll Business Concerns<\/td>\n<\/tr>\n
Amount<\/td>\nNo Limits (Varies from case to case), within SME approved criteria<\/td>\n<\/tr>\n
Product Specification<\/td>\nCollateral based<\/td>\n<\/tr>\n
Repayment Mode<\/td>\nAt Spot, in installments or in lump sum after certain time<\/td>\n<\/tr>\n
Collateral Requirement<\/td>\nCash, Charge, Pledge, Hypo, Collateral<\/td>\n<\/tr>\n
Pricing<\/td>\nVaries from case to case<\/td>\n<\/tr>\n
Documents<\/td>\nVaries from case to case – Visit our nearest designated branch for facilitation<\/td>\n<\/tr>\n
Designated Branches<\/td>\nAll Branches\u00a0 (Designated branch list attached)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Disclaimer<\/h2>\n

Facility approval is subject to terms and conditions based on Bank\u2019s risk assessment of application.[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

[vc_row][vc_column][vc_column_text el_class=”topcss”] Financing for Working Capital Details of Product Murabaha – Where transaction is done on a \u201ccost plus profit\u201d basis i.e. the seller discloses the cost to the buyer and adds a certain profit to it to arrive at the final selling price. Mainly used for Procurement of Raw Material; for meeting working capital … <\/p>\n

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