Empowering the Young Generation to Embrace Change with Bank Muamalat

Every year, the Youth Pledge Day on October 28th serves as a reminder of the importance of unity and the drive to create a better future. This spirit of transformation aligns with the concept of hijrah, a journey of moving from a less favorable state to a better one, both in personal life and financial management.

As Indonesia’s first Sharia-compliant bank, Bank Muamalat invites the young generation to embrace hijrah—not only in terms of faith but also in managing finances with blessings through the “Ayo Hijrah” campaign. Offering a range of Sharia-compliant financial products, Bank Muamalat provides solutions that align with Islamic principles.

Begin Your Hijrah Journey with iB Hijrah Savings

The iB Hijrah Savings Account is one of Bank Muamalat’s flagship products, allowing customers to save using the Wadiah or safekeeping principle. Key benefits of this account include no monthly administrative fees and a low initial deposit, starting from only Rp25,000. With the Shar-E Muamalat Debit Card, which supports both domestic and international transactions through GPN and Visa networks, and access to digital banking services (MDIN and internet banking), saving has never been more convenient and flexible.

Achieve Your Dream of Homeownership with iB Hijrah Mortgage (KPR)

Young people looking to own a home in a Sharia-compliant way can benefit from the iB Hijrah Mortgage (KPR) facility. This product provides home financing using the Murabaha contract, allowing customers to own a home with fixed installments for up to 25 years. Benefits include affordable and flexible installments, with a margin starting from 9% fixed for the first five years. Customers can also select a tiered installment plan based on their financial capabilities.

Realize Your Hajj Dream with iB Hijrah Hajj Savings

For those aspiring to perform Hajj, Bank Muamalat offers the iB Hijrah Hajj Savings account. Linked directly with the Ministry of Religious Affairs' SISKOHAT system, this product ensures a transparent and seamless Hajj registration process. The account also allows for flexible deposits, whether daily or monthly, and funds are managed in accordance with Sharia principles, providing peace of mind to customers.

Invest in Gold Easily with Hijrah Gold Solutions

Bank Muamalat also provides a solution for young people interested in gold investment through Hijrah Gold Solutions, a product that makes it easy and relatively affordable to invest in gold. With installment options starting from just Rp4,000 per day, this product enables anyone to own gold as a long-term investment. The process is quick and straightforward, allowing customers to purchase gold from small gram weights in a transparent and Sharia-compliant system.

Safe and Convenient Transactions with Muamalat DIN

Continuing its innovation, Bank Muamalat has introduced Muamalat DIN (Digital Islamic Network), which allows customers to carry out transactions quickly and securely. This app provides easy access for transfers, bill payments, e-wallet top-ups, and many other features—catering to the needs of today’s youth. With advanced digital features, Muamalat DIN supports a cashless lifestyle, making it easier to manage finances efficiently. This empowers the younger generation to embrace financial hijrah practically.

Let’s Transform Your Transactions!

Through a variety of financial products grounded in Sharia principles, Bank Muamalat provides a complete solution for young people who wish to embrace hijrah both spiritually and financially. With top products like iB Hijrah Savings, iB Hijrah Mortgage (KPR), iB Hijrah Hajj Savings, Hijrah Gold Solutions, and the ease of transactions through Muamalat DIN, the young generation can lead a more blessed and productive life in line with Islamic teachings.