INVESTMENT ACCOUNT PLATFORM IN MALAYSIA

1. HOW IT DIFFERS FROM CURRENT BANKING PRODUCT

1.1. Non-capital guaranteed product

1.2. Regulated under IFSA 2013

1.3. Has maturity date & withdrawal condition

1.4. Two types; restricted & unrestricted investment account

1.5. Returns generated based on performance

2. DISADVANTAGES

2.1. Asymmetric information

2.2. High cost

3. LEARNING POINT

3.1. Expose to new part of Islamic Finance; Investment

3.2. Can learn more in depth about IFIs

3.3. Clear understanding on how IAP & other current products work

4. FEATURES

4.1. Avenue for Shariah-compliant investment & fund raising

4.2. Rated independent by RAM

4.3. Accessible everywhere

4.4. Credit assessment and screening done by sponsoring bank

4.5. Disclosed decision-making

4.6. Available for all types of industry

5. ADVANTAGES

5.1. Equity-based financing

5.2. Using Shariah-compliant contracts

5.3. Funds invested to profitable projects