Shariah Financing Core · Shariah Financing
Shariah Financing Workflow: Murabahah, Ijarah, Mudharabah & Musyarakah
One workflow for the entire shariah financing cycle: from application, analysis, and compliance review to contract signing and monitoring, with audit trails and KPIs.
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What is a shariah financing workflow?
A shariah financing workflow is a structured process that ensures every financing follows contract terms compliant with shariah principles, from application, analysis, and Sharia Supervisory Board (DPS) review to approval, contract signing, and monitoring. AlurKerja models it as a traceable, auditable BPMN process.
AlurKerja value proposition for shariah financial institutions
Contract-specific Workflows
Each contract type has its own flow, documents, and checkpoints, configured without coding.
DPS Compliance Review
A mandatory shariah compliance checkpoint before signing, with DPS decisions and notes recorded.
Complete Audit Trail
Who decided what and when is recorded automatically, ready for internal and external audits.
Real-time KPI Dashboard
Monitor processing time, application volume, and financing quality from live workflow data.
Overview of the 4 Main Contracts
Murabahah
Sale with an agreed margin. The workflow covers goods verification, cost price, margin, and the sale contract.
Ijarah
Lease of an asset's usufruct, including Ijarah Muntahiya Bittamlik. The workflow covers asset procurement, lease schedule, and ownership transfer.
Mudharabah
Capital and expertise partnership with profit sharing. The workflow covers business evaluation, profit ratio, and performance reporting.
Musyarakah
Partnership with capital from both parties. The workflow covers capital shares, profit and loss sharing, and project monitoring.
Shariah Financing BPMN Flow
A general flow that can be tailored to each contract and your institution's policies.
- 01 Application
- 02 Feasibility Analysis
- 03 DPS Compliance Review
- 04 Committee Approval
- 05 Contract Signing
- 06 Disbursement & Monitoring
Compliance & KPIs
Kepatuhan
- Mandatory DPS checkpoint before contract signing
- Audit trail for every decision and status change
- Segregation of authority based on the org chart
KPI yang dapat dipantau
- Processing time per stage (SLA)
- Application volume per contract
- Approval and rejection ratio
- Financing quality (NPF)
FAQ
Pertanyaan tentang Shariah Financing
Which contracts are supported?
The four main contracts: Murabahah, Ijarah, Mudharabah, and Musyarakah. Each contract flow can be tailored to your institution's policies.
How is the DPS review performed?
The DPS review is a user task in the workflow. An application cannot proceed to contract signing until the DPS decision is recorded.
What is the difference between an exclusive demo and partnership?
An exclusive demo is a presentation session for your institution. The partner program is for companies that want to become AlurKerja implementation partners or resellers in the shariah sector.
Jadwalkan Demo atau Daftar Jadi Partner
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