Get a Samsung Galaxy Z Flip8 or Z Fold8 with Tabungan iB Hijrah Prima Berhadiah

Looking for a smarter way to own the latest Samsung Galaxy Z Flip8 or Samsung Galaxy Z Fold8 without making an impulsive purchase? Instead of paying for a premium smartphone outright, you can make it part of your financial planning through a savings program.

With Bank Muamalat's Tabungan iB Hijrah Prima Berhadiah (TPB), you can grow your savings while receiving a Samsung Galaxy Z Flip8 or Galaxy Z Fold8 as an upfront reward, subject to the program's terms and conditions. Since the program does not rely on a lucky draw, eligible customers can receive their selected reward once all requirements have been fulfilled.

Here's everything you need to know about this Sharia-compliant savings program and why it can be a practical way to achieve your financial goals.

What Is Tabungan iB Hijrah Prima Berhadiah?

Tabungan iB Hijrah Prima Berhadiah (TPB) is a savings program offered by Bank Muamalat under the Mudharabah contract, a Sharia-compliant partnership in which customers act as the capital provider (shahibul maal) while the bank manages the funds (mudharib).

To participate, customers make a one-time fund placement that will be held for a predetermined period. In return, they may select a reward from the available catalog and receive it at the beginning of the program, provided all applicable requirements have been met.

Throughout the savings period, the deposited funds remain in the account and continue to earn profit sharing (nisbah) based on the prevailing Mudharabah agreement.

Why Choose Tabungan iB Hijrah Prima Berhadiah?

1. Receive Your Reward Upfront Without a Lucky Draw

One of the program's biggest advantages is that your chosen reward is provided at the start of the program after all requirements have been fulfilled.

Unlike promotional programs that depend on random drawings, this program gives eligible participants greater certainty about the reward they will receive.

2. Built on Sharia Principles

Tabungan iB Hijrah Prima Berhadiah operates under the Mudharabah contract, ensuring that funds are managed in accordance with Islamic banking principles.

The deposited funds are invested in Sharia-compliant business activities, while customers receive profit sharing according to the agreed nisbah.

3. Your Savings Stay Intact

Buying a premium smartphone outright means your money is immediately spent.

With Tabungan iB Hijrah Prima Berhadiah, your funds remain in your savings account throughout the program period. This helps you preserve your savings while maintaining a disciplined financial plan.

4. Continue Earning Profit Sharing

In addition to receiving an upfront reward, customers also enjoy profit sharing throughout the savings period based on the applicable Mudharabah nisbah.

This means the program offers benefits beyond the reward itself while supporting long-term financial planning.

5. A Wide Selection of Rewards

Although many customers are interested in the Samsung Galaxy Z Flip8 and Samsung Galaxy Z Fold8, the program also offers a variety of other rewards listed in the current catalog.

Available rewards may vary depending on the promotional period.

Why Choose the Samsung Galaxy Z Flip8 or Galaxy Z Fold8?

Samsung's Galaxy Z Series represents some of the company's most advanced smartphones, combining premium design with cutting-edge technology.

Some standout features include:

Innovative foldable display design
Powerful performance for multitasking
Professional-grade camera capabilities
Advanced Galaxy AI features that enhance productivity
Flexible user experience for both work and entertainment

Instead of purchasing these flagship devices through conventional financing, you can make them part of a structured savings plan that supports better financial habits.

Who Is This Program Suitable For?

Tabungan iB Hijrah Prima Berhadiah is designed for customers with different financial goals, including:

Professionals who need a high-performance smartphone for work
Business owners looking to improve productivity
Content creators who require premium camera capabilities
Employees who want to manage their finances more strategically
Individuals interested in using Sharia-compliant banking products

Program Requirements

In general, participation in the program includes the following requirements:

Minimum fund placement of Rp25 million
Available tenors starting from 3 months, followed by 6 to 36 months in six-month intervals
Funds are placed in a Mudharabah savings account and held throughout the selected program period
Funds may originate from fresh funds, previous TPB funds, matured time deposits, or a combination of these sources
Participation is subject to Bank Muamalat's applicable terms and conditions

How to Join Tabungan iB Hijrah Prima Berhadiah

Joining the program is simple.

Visit your nearest Bank Muamalat branch, where a banking representative will help explain:

Required fund placement amount
Available rewards
Program tenure options
Administrative requirements
Complete program terms and conditions

You can then select the reward that matches your preferred placement amount and financial plan.

Why Saving Is Better Than Buying on Impulse

It's natural to want the newest smartphone, especially one as innovative as the Samsung Galaxy Z Flip8 or Galaxy Z Fold8. However, making purchases without proper planning can affect your long-term financial health.

Choosing a structured savings program instead offers several advantages:

Encourages disciplined financial management
Keeps your funds as part of your financial assets
Provides an upfront reward without relying on a lucky draw
Allows you to continue earning Sharia-compliant profit sharing
Gives you access to transparent Islamic banking products

This approach helps you enjoy premium technology while staying focused on your broader financial goals.

Achieve Your Dream Smartphone While Growing Your Savings

Owning a Samsung Galaxy Z Flip8 or Samsung Galaxy Z Fold8 doesn't have to mean compromising your financial plan. With Bank Muamalat's Tabungan iB Hijrah Prima Berhadiah, you can receive your preferred reward at the beginning of the program while keeping your savings intact under a Sharia-compliant Mudharabah contract.

If you'd like to learn more about the latest reward catalog, eligible placement amounts, or available program tenures, visit your nearest Bank Muamalat branch or contact SalaMuamalat at 1500016. The team will help you choose the option that best aligns with your financial objectives while allowing you to enjoy the benefits of one of Bank Muamalat's flagship savings programs.

Get a Samsung Galaxy Z Flip8 or Z Fold8 with Tabungan iB Hijrah Prima Berhadiah

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