Maybank

Under the concept of Mudharabah (profit sharing), SGIA-i is a kind of partnership where one partner provides the capital (customer) to the other (entrepreneur) for investment.

Shariah Structure

• Mudharabah is an agreement made between two parties, one to provide the capital (financier) and the other (the Mudarib), using their business acumen, to provide the management of the capital.
• The profit-sharing ratio is agreed beforehand. Capital losses are borne solely by the financier.
• In the case of our deposit products, it refers to a profit-sharing agreement between the Bank (Mudarib) and the depositors (financier) for the Bank to invest depositors' funds to generate profits.