A competitive floating rate financing based on the Sharia structure of Musharakah Mutanaqisah (Diminishing Partnership). Under this concept, the Bank and the Customer jointly own the asset under the Musharakah contract and subsequently, the Bank leases its share in the asset to the Customer under the Ijarah contract. The Customer gradually acquires the Bank's share in the asset and will fully own the asset upon acquiring the entire Bank's share of the asset.