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Term Financing-i is a financing package with fixed profit rates designed for companies and co-operatives. It is based on Islamic concept of Bai' Al-Inah (buy and sell back agreement), Al'-Istina (where payments are made in stages to facilitate progress of the manufacturing or construction of the subject of sale) and Al-Bai' Bithaman Ajil (where the bank provides financing to customers to own property by purchasing the asset/service with cash and sell back the property/service to the customer at cost price plus profit).