Executive Summary
This MURABAHAH Sukuk is issued by Naraya One with underlying assets consisting of Pembelian perangkat teknologi dan infrastruktur digital untuk ekspansi layanan internet Kapten Naratel dengan skema jual beli bertahap..
Sukuk Structure
Related Parties
- Issuer: Naraya One
- Originator: Kapten Naratel
- Investor: Sukuk Holders
Murabahah Mechanism
- Investors purchase Murabahah Sukuk from the Issuer
- Funds are used for financing with sale and purchase contract
- Originator pays principal installments + margin periodically
- Payments are made until fully settled according to tenor
Use of Funds
Funds raised from this Sukuk issuance will be used for:
Fund Allocation:
- 60% - Operational expansion and business development
- 25% - Working capital financing
- 15% - Refinancing existing debt
Investment Risks
Every investment carries risks. The following risks should be considered:
1. Credit Risk
Risk of default by the Originator in fulfilling payment obligations.
2. Liquidity Risk
Sukuk cannot be traded in the secondary market before maturity.
3. Operational Risk
Risk of loss due to failure of internal processes, systems, or external factors.
4. Market Risk
Changes in macroeconomic conditions that may affect business performance.
Payment Schedule
Return payments will be made periodically according to the sukuk type:
| Period | Payment Type | Description |
|---|---|---|
| Monthly | Installment + Margin | Fixed payment every month |
Shariah Compliance
This Sukuk complies with Shariah principles:
- ✅ Free from riba (interest)
- ✅ Free from gharar (excessive uncertainty)
- ✅ Free from maysir (speculation/gambling)
- ✅ Halal and productive underlying assets
- ✅ Contract structure complies with DSN-MUI fatwa
Important Information
Key Dates
- Issue Date: 20 Apr 2026
- Maturity Date: 20 Apr 2031
Taxation
Sukuk returns are subject to income tax in accordance with applicable tax regulations in Indonesia.
Contact
For more information, contact:
- Email: investor@narayone.com
- Phone: (021) 1234-5678
- Website: www.narayone.com
Investment Return Simulation
Investment Calculator
Investment Scenario Examples
| Investment | Return/Year | Total Return | Profit |
|---|---|---|---|
| Rp 10.000.000 | Rp 900.000 | Rp 14.500.000 | Rp 4.500.000 |
| Rp 50.000.000 | Rp 4.500.000 | Rp 72.500.000 | Rp 22.500.000 |
| Rp 100.000.000 | Rp 9.000.000 | Rp 145.000.000 | Rp 45.000.000 |
| Rp 500.000.000 | Rp 45.000.000 | Rp 725.000.000 | Rp 225.000.000 |
Legal Documents & Information
Additional Information
- All documents have been verified by relevant authorities
- Prospectus has received approval from OJK (Financial Services Authority)
- Shariah Certificate issued by National Shariah Board - Indonesian Ulema Council (DSN-MUI)
- Financial reports have been audited by independent auditors
Investment Risk Analysis
1. Credit Risk - LOW
Description: Risk of default by the Originator.
Mitigation: Solid track record, quality underlying assets, regular monitoring.
2. Liquidity Risk - MEDIUM
Description: Sukuk cannot be traded before maturity.
Mitigation: Use idle funds, match tenor with needs.
3. Operational Risk - LOW
Description: Risk of internal process or system failure.
Mitigation: Standardized systems, clear procedures, adequate insurance.
4. Market Risk - MEDIUM
Description: Changes in macroeconomic conditions.
Mitigation: Portfolio diversification, macroeconomic monitoring.
Disclaimer & Investment Warning
IMPORTANT WARNING
Investment in Sukuk carries risks. Prospective investors must read and understand this prospectus before investing. Past performance does not guarantee future performance.
General Statement
- Prospectus has received effective statement from OJK (Financial Services Authority)
- Effective statement does not mean OJK guarantees the quality of sukuk
- Issuer is responsible for the accuracy of information
- Investors are responsible for their investment decisions
Investment Risks
- Investment value may increase or decrease
- No guarantee of full return of investment value
- Returns are projections and may differ from actual results
- Sukuk is not guaranteed by Indonesia Deposit Insurance Corporation (LPS)
How to Invest Tutorial
Read the Prospectus
Understand all information about this sukuk including structure, risks, and returns.
Register Account
Register by preparing ID card, tax number (NPWP), bank account, email and active phone number.
Identity Verification
Complete KYC process by uploading documents. Process takes 1-2 business days.
Determine Investment Amount
Use the calculator in the Simulation tab. Minimum investment Rp 100.0 Million.
Make Payment
Transfer funds to escrow account from your registered account. Keep proof of transfer.
Receive Certificate
After verification, you will receive electronic sukuk certificate via email.