From Dreams to Action: How to Start Saving for Your Life Goals Today

True independence is more than just freedom from past struggles. It’s about having the liberty to shape your future, including the ability to achieve financial independence. That means having the confidence and resources to pursue your life goals without the constant worry of costs or uncertainty.

For many, these dreams may include performing Umrah with family, providing the best education for their children, or fulfilling the sacred duty of Hajj. But often, these aspirations are held back by the absence of a solid financial plan. The good news? The first step is simple: set your goal, make a plan, and start saving today.

Turning Dreams into Achievable Plans

A dream feels much closer when it is transformed into a measurable plan. The key is to set aside dedicated funds for specific goals, keeping them separate from daily expenses.

Preparing for Hajj Early

For Muslims, Hajj is one of the five pillars of Islam, a lifelong aspiration. But with long waiting lists, starting early is the smartest choice.

Tabungan iB Hijrah Haji from Bank Muamalat is designed to help you prepare for Hajj with peace of mind. With regular deposits that suit your budget, you can secure your official quota from the Ministry of Religious Affairs well in advance.

Benefits of Tabungan iB Hijrah Haji:

100% sharia-compliant for a more blessed journey.
Flexible deposits starting from an affordable amount.
Funds are safe and kept separate from daily expenses.
Simple and hassle-free Hajj registration process.

Plus, until 31 December 2025, you can join the Rindu Haji (Rincian Dana untuk Haji) program. By saving for Hajj, you’ll get instant rewards and the chance to win a Grand Prize Umrah package, making your journey to the Holy Land even more meaningful.

Achieving More Than One Goal

Not everyone has just one dream. You might want to save for children’s education, an Umrah trip, and even your annual Qurban at the same time.

Dana Impian is a goal-based savings account from Bank Muamalat that lets you create separate savings for different purposes. Each goal has its own account, making it easy to track progress.

Advantages of Dana Impian:

Create multiple savings accounts for different goals.
Flexible saving periods, starting from just 3 months.
Fixed monthly deposits for better discipline.
Fully sharia-compliant and free from monthly admin fees.

Best of all, you can manage it directly through Muamalat DIN Mobile Banking. So, achieving your dreams is literally in the palm of your hand.

Saving While Investing in Gold

Aside from cash savings, gold is a popular choice to protect and grow your wealth. Over time, gold prices tend to remain stable and often rise with inflation.

Solusi Emas Hijrah from Bank Muamalat allows you to own gold with light installments. You lock in today’s purchase price and receive physical gold in the future, a smart way to preserve value.

Key Benefits of Solusi Emas Hijrah:

100% sharia-compliant.
Gold acts as a hedge against inflation, helping protect your assets.
Uses a murabahah contract, fixed selling price agreed upfront.
Apply for up to 500 grams of gold.
Fast approval process (same-day).
Tenor of up to 10 years.
Guaranteed authenticity through partnerships with ANTAM and Galeri24.

Saving gold isn’t just an investment, it’s also a way to prepare for future needs. When the time comes, you can sell your gold to fund Umrah, education, or other planned expenses.

Small Steps That Change Your Future

Big dreams are built on small, consistent actions. Saving a little every month can make a huge difference over time.

Discipline Is Key

Setting aside part of your income each month will grow your savings faster. Choose products that encourage discipline, like Dana Impian with automatic deposits or Tabungan iB Hijrah Haji with a clear target.

Don’t Delay

Costs for Hajj, Umrah, and education rise every year. The sooner you start, the lighter the financial load will be.

Why Choose Bank Muamalat?

Founded in 1992 as the pioneer of Islamic banking in Indonesia, Bank Muamalat has over 30 years of experience in serving the financial needs of Muslim communities. We provide safe, affordable, and sharia-compliant solutions to help you achieve your goals.

With products like Tabungan iB Hijrah Haji, Dana Impian, and Solusi Emas Hijrah, you can:

Prepare for Hajj with ease.
Save for multiple goals at once.
Protect your wealth with gold.

Claim Your Financial Freedom Today

True freedom means having full control over your finances and your future. Start now, choose the product that fits your goal, and enjoy peace of mind knowing your dreams are in progress.

Here’s how to start today:

Decide your main goal: Hajj, Umrah, education, or others.
Select the right Bank Muamalat savings product.
Make regular deposits according to your budget.

Dreams won’t come true by waiting. They require action, and that action can begin right now.