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How is CIMB StarSaver-i (based on Commodity Murabahah) different from CIMB StarSaver-i (based on Wadiah) account?

CIMB StarSaver-i (based on Commodity Murabahah) account is a checking and/or savings account using the Shariah concept of Murabahah (mark-up), where customers collect their returns in the form of profit. On the other hand, CIMB StarSaver-i (based on Wadiah) account is a checking and/or savings account using the Shariah concept of Wadiah Yad Dhamanah (guaranteed safe-keeping) where customers may receive returns in the form of Hibah which is at the discretion of the Bank

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