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Murabahah Tawarruq (Sale for cash of item purchased by installments)  

This concept involves PMBT purchases the commodity from a supplier and selling it to the customer on a deferred payment basis. After that, the customer will sells the same commodity to a third party on a spot payment basis. The proceeds from the sale are credited to the customer’s account and the customer pays back to PMBT (cosy plus profit).


  1. PMB Tijari make a payment for commodity
  2. PMB Tijari get the commodity
  3. The commodity to be sold to the customer
  4. The customer sell the commodity to the third buyer
  5. The third buyer pay cash for the commodity
  6. The customer pays back to PMB Tijari with cost plus profit