Embrace the Blessings of Syawal with Ajak Teman Hijrah

Eid al-Fitr marks not only a moment of celebration and spiritual victory but also a time for renewal and reflection—including how we manage our finances. After a month of self-discipline and spiritual growth during Ramadan, many Muslims seek to continue good habits and improve different areas of life. One meaningful step is transitioning to Sharia-compliant banking, which aligns more closely with Islamic values.

As Indonesia’s pioneer in Sharia banking, Bank Muamalat introduces the Ajak Teman Hijrah program—an initiative that encourages customers to invite others to experience the benefits of Islamic banking. Not only can you help others make a positive financial shift, but you will also receive a reward for every successful referral.

Why Choose Sharia Banking?

Sharia-compliant financial services offer various advantages that promote fairness, transparency, and long-term blessings. By choosing Bank Muamalat, you gain access to benefits that go beyond standard banking:

1. Finance That Aligns with Islamic Values

Every transaction at Bank Muamalat follows principles based on Sharia, offering peace of mind and long-term benefits.

2. Transparent and Fair System

Funds are managed under clear, ethical guidelines. Customers know how their money is being utilized, fostering trust and financial integrity.

3. Supporting a Sharia-Based Economy

By using Sharia banking services, you contribute to an economic system built on justice, mutual benefit, and social responsibility.

4. Convenient and Modern Digital Features

Bank Muamalat offers a full range of digital banking solutions through the Muamalat DIN app, allowing customers to open accounts, make transactions, and manage their finances from anywhere at any time.

Ajak Teman Hijrah: Share the Benefits, Earn Rewards

If you have already experienced the advantages of banking with Bank Muamalat, now is the perfect time to invite your friends and family to join. Through Ajak Teman Hijrah, you will receive a bonus for each new customer who successfully opens an account using your referral code.

Both the referrer and the referred friend will receive balance rewards upon meeting the program requirements.

How to Participate in Ajak Teman Hijrah

Joining the program is simple and can be done entirely through the Muamalat DIN app.

For Referrers (Affiliators):

Open the Muamalat DIN app and access the Ajak Teman feature
Copy your personal referral code
Share your code with friends, family, or colleagues who do not yet have a Bank Muamalat account
Your referred friend must:
- Open an account using the referral code
- Make an initial deposit of at least Rp100.000
- Complete their first transaction
You will receive Rp25.000 for every successful referral, credited to your account the following month

For New Customers (Referred Friends):

Download the Muamalat DIN app and choose the “Open Account” menu
Enter the referral code during registration
Make an initial deposit of at least Rp100.000
Complete a minimum of one online transaction (transfer or payment)
Receive a bonus of Rp10.000
If they make their first QRIS transaction, they will also receive an additional Rp10.000 cashback

This program not only promotes Sharia-compliant banking, but also provides financial rewards for helping others make the switch.

Key Benefits of Joining Ajak Teman Hijrah

Fully Digital Process: All steps can be completed easily via the Muamalat DIN app
Sharia-Compliant Finance: Encourage others to adopt a more ethical and faith-aligned banking solution
Direct Financial Rewards: Both referrer and new customer receive additional balance as a thank-you
Ongoing Opportunities: Referrers can continue inviting others and earn rewards multiple times

This program is valid until 31 December 2025, so there’s plenty of time to invite more people and multiply your rewards.

Start Your Financial Hijrah This Syawal

Syawal is the perfect time to commit to lasting changes, including how you manage your money. If you’ve been considering switching to a more ethical, Sharia-based banking system, now is the time to take that first step.

By opening an account with Bank Muamalat, you and your loved ones can experience transparent, fair, and Sharia-compliant financial services. Through Ajak Teman Hijrah, you also have the chance to share the benefits while receiving appreciation in return.

Download the Muamalat DIN app today, share your referral code, and begin your journey towards more blessed finances.

For more information, please contact SalaMuamalat 1500016.