Secure and Sharia-Compliant Investment with Muamalat’s iB Hijrah Online Deposit

If you're looking for a safe, practical, and Sharia-compliant way to grow your savings, Muamalat’s iB Hijrah Online Deposit could be the right choice. Designed with the Mudharabah Mutlaqah contract, this Islamic time deposit offers the opportunity to earn competitive returns while staying true to Islamic financial principles.

Through Muamalat DIN, the bank’s mobile banking app, you can open a deposit account anytime, anywhere—no need to visit a branch. It’s not only convenient but also provides peace of mind, knowing your funds are managed ethically and in accordance with Islamic values.

What is iB Hijrah Online Deposit?

Muamalat's iB Hijrah Online Deposit is a Sharia-compliant term deposit product based on the Mudharabah Mutlaqah agreement. In this partnership, you provide the capital, while the bank manages the funds and shares the profit according to a pre-agreed ratio (nisbah).

Key Features

Feature	Description
Type of Contract	Mudharabah Mutlaqah
Eligible Customers	Individual customers (Indonesian citizens)
Currency	Indonesian Rupiah (IDR)
Minimum Initial Deposit	Rp2.500.000
Tenor Options	1, 3, 4, 6, and 12 months
Customer Profit Share (Nisbah)	75%*
Profit Sharing Frequency	Monthly*
Profit Tax	20% (according to regulations)
Opening Channel	Muamalat DIN mobile app
Account Closure	Muamalat branches
Closure Fee	Rp30.000*

*Subject to bank policy and prevailing tax regulations. Full details are available in the iB Hijrah Online Deposit Terms and Conditions.

Flexible Renewal Options

You can choose how your deposit is managed upon maturity:

ARO (Automatic Roll Over): Only the principal is renewed automatically.
ARO with Capitalization: Both the principal and profits are rolled over automatically.
Non-ARO: Your funds will be returned in full upon maturity.

Additional Options

Option to contribute a portion of your profit to zakat (or opt out).
Close your deposit account at any Muamalat branch nationwide.

Why Choose iB Hijrah Online Deposit?

Here are a few compelling reasons why this product is worth considering:

Convenient and Hassle-Free
Open a deposit account directly from your smartphone using the Muamalat DIN app—no branch visit required.

Low Entry, Competitive Returns
Start investing with just Rp2.500.000 and enjoy optimal profit-sharing based on Sharia-compliant principles.

Peace of Mind with Halal Investment
This deposit product is managed based on Islamic finance ethics, offering you not only profit but also spiritual peace.

Flexible Tenor Options
Choose the duration that best suits your financial goals, from short-term to long-term.

How to Open an iB Hijrah Online Deposit

To start your investment, make sure you meet these criteria:

You are an Indonesian citizen with an individual Muamalat account.
You already hold a savings or checking account with Bank Muamalat.
You’ve downloaded and registered with the Muamalat DIN mobile app.

Time to Start Your Sharia-Compliant Investment

With all the benefits it offers, flexibility, convenience, transparency, and ethical financial practices, Muamalat’s iB Hijrah Online Deposit is a solid choice for anyone seeking a secure and halal investment.

Download the Muamalat DIN app today and begin your investment journey, right from your phone.

Smart–Sharia-compliant investing is now just a tap away.