Consumer & Retail Banking
Consumer & Retail Banking

Let’s Manage Your Width Personal Benefits!


Assalaamu’alaikum Bmers!


Not feeling fast this year has entered the middle of the month and soon will enter the Eid Al-Fitr and Eid al-Fitr. For you, workers will usually look forward to holiday allowances or THR. Well, THR is even though it is anticipated, but it must be managed with the arts so that it does not expire first. Well, following Bank Muamalat, you will give some tips for managing your THR money wisely. Check out the explanation below!


  1. Prioritize first the mandatory funding priority

At the moment of Eid al-Fitr and Eid, of course Muslims have an obligation to pay Zakat and sunnah as shodaqoh. Well, this expenditure is a compulsory expenditure that cannot be contested so you should set aside the THR funds first for these funds. In addition to fulfilling the obligation, God willing, your THR funds will be more blessing.


  1. Set aside THR funds to invest

The THR funds that you get once a year are better not to forget to invest for example set aside for savings and deposit funds. In addition to increasing your investment, this will make you not wasteful because you have allocated the funds for a longer term. Lots of savings and deposit options that you can choose, for example for savings you can open savings plans for Bank Muamalat and Bank Muamalat Deposits.


For savings, the plan is also quite easy. If you are already 18 years old, then simply attach ID cards such as KTP or SIM and original NPWP (if you already work and include taxpayers) and make a routine deposit of at least 50 thousand rupiah per month. The savings period can also be adjusted to your needs starting from 3 months to the next 20 years.


Likewise with Bank Muamalat Deposits, the conditions are the same as the opening of the savings plan above but the initial deposit is 5 million rupiah. You can choose both types of investments according to your investment needs. With the allocation of funds, your THR funds will certainly not run out so you can set aside for other needs in the future.


  1. Pay short-term debt or installments (if any)

Well, you can set aside a THR fund that is quite good if you have debt or installments that are still in arrears. At least your THR funds can relieve the debt or installments. If the debt or installments are delayed too long it will also have an impact on your financial condition in the future.

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