Murabahah is a Shariah financing principle based on a sales transaction. In a murabahah transaction, the customer approaches the bank to acquire goods, such as a specific product or asset. The bank then purchases the goods from a third-party supplier on behalf of the customer and sells them to the customer at an agreed mark-up, which represents the bank's profit margin. The cost of acquiring the goods and the agreed-upon profit margin are communicated by the bank to the customer, and the total cost is typically paid by the customer to the bank in installments, either immediately or deferred over a specified period of time. Since interest is prohibited in Islamic finance, the bank earns profit through the mark-up on the cost of the goods or assets, which is agreed upon in advance between the customer and the bank.

1. The profit is known and determined clearly at the beginning of the transaction and is the result of an agreement between both parties.

2. The margin is fixed.

3. There is no element of usury.

1. Goods Financing: Any goods that the customer wants to purchase

2. Vehicle Financing: Cars, Motorcycles

3. Property Financing: Houses

This calculator is made to make it easier for you to calculate your loan

**The calculation provided is an approximate estimation of the financing installments, based on a fixed margin rate in percentage (%). Please remind that the computation might change based on the lending institution, the loan amount, the repayment period, the allocation of proportions, and the method used.

Remember that this is only an estimate, and the real installments may vary from the computation given. However, this calculation provides a useful tool for borrowers to get a general idea of the financing costs and make an informed decision when choosing a financing option.