Interbank Musharakah

PKIC-IFD offers Interbank Musharakah as a Shariah-compliant solution for short-term liquidity management between Islamic financial institutions. Under this arrangement, PKIC-IFD may either accept funds from or place funds with partner institutions, based on a Musharakah (profit-and-loss sharing) model. All funds are invested in a pool of Shariah-compliant business assets, with profit distributed according to a pre-agreed ratio and losses borne proportionately to capital contribution. Each transaction is documented under a Master Musharakah Agreement and confirmed via a detailed Deal Confirmation, ensuring transparency, governance and Shariah alignment.