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Bank-bank akan membelikan sijil ASB dan memegang sijil tersebut. Pinjaman Islam memperkenalkan konsep membeli sesuatu bagi pihak peminjam dan menjualnya kembali kepad peminjam bagi mendapatkan keuntungan.


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Pelanggan yang menggunakan perkhidmatan pinjaman ASB ini akan membayar pada kadar tertentu setiap bulan kepada bank terbabit.

. Kadar faedah yang dikenakan bagi pinjaman Islamik akan ditetapkan di dalam kontrak. Pinjaman Islamik pula mengikuti Prinsip Pembayaran Islam yang menghindari urus niaga yang berasaskan kepada Riba. Selama mana pelanggan perlu membayar dan sijil dipegang oleh bank adalah bergantung kepada perjanjian dengan bank.


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