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Ijarah is an arabic term with origin in islamic meaning to give something on a rental basis or wages. it is islamic alternative to conventional leasing. generally, ijarah concept means selling benefit or use for a fixed price or wage.
1. client will identified the vehicles and pay the deposits first towards car dealer.
2. Client will approaches bank and obtain AITAB financing facility.
3. the bank purchase the car and pay the remaining purchase price of the car (90%).
4. the bank leases the car to the client at certain rental price plus the profit with an option to purchase at the end of the financing period.

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It is referred to the sale of goods on a deferred payment basis at a price which include profit margin agreed by both customers and bank.
1. The customer will identified the house he wish to buy and. Then, customer will sign the S&P agreement and pay deposits to the house developers since he had agreed.
2. The islamic bank will purchase the qualified asset from the developer on purchase price on the cash basis.
3. The bank will sell the asset to the customer with marked-up price.
4. The customer will pay back the selling price with installment basis.

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Tawarruq can be defined as an arrangement that involves a purchase of an asset based on Murabahah and a subsequent sale of the same asset to a third party in order to obtain cash.
1.customer and bank will get into agreement where the customer agree to buy from the bank. bank will become as agent to sell back the asset.
2. Bank A will buy the asset from the Broker A with a spot basis.
3. Bank will sell the same asset to the customer with a deferred payment plus the profit.
4. bank will act as agent to sell the asset to the Broker B  on behalf of the customer on spot basis.
5. The payment from selling will give to the customer lump sum.
6. the customer will pay back to the bank the purchase price plus the profit on deferred installment basis.