What Is Multiguna iB Hijrah? Benefits, Features, and How to Apply

Meeting today’s growing needs often requires careful financial planning. Whether it’s for purchasing goods, paying for services, or covering other personal expenses, having access to the right financing solution can make all the difference.

Multiguna iB Hijrah from Bank Muamalat Indonesia is designed to help you manage a wide range of consumer needs in a practical and reassuring way. Built on sharia principles, this financing solution offers a simple application process, flexible terms, and predictable monthly payments.

What Is Multiguna iB Hijrah?

Multiguna iB Hijrah is a sharia-compliant consumer financing product that can be used for various personal needs, including the purchase of goods and services.

With fixed monthly installments and flexible tenors, this product allows you to plan your finances more confidently without worrying about changing payments over time. It is structured to provide both convenience and peace of mind in every transaction.

What Can You Use It For?

One of the key advantages of Multiguna iB Hijrah is its versatility. You can use it for:

Purchasing goods such as electronics, furniture, and household items
Financing services like education, healthcare, or travel expenses

This flexibility makes it suitable for both individual and family needs, helping you manage expenses more effectively.

Key Benefits of Multiguna iB Hijrah

1. Sharia-Compliant Financing
All transactions follow Islamic financial principles, ensuring a more ethical and value-driven approach to managing your finances.

2. Fixed Installments
Your monthly payments remain the same throughout the financing period, making budgeting easier and more predictable.

3. Simple and Fast Process
The application requirements are straightforward, with a relatively quick approval process so you can access funds when you need them.

4. No Collateral Required
You can apply without providing any assets as security, making it more accessible.

5. No Down Payment
There is no upfront payment requirement, helping reduce your initial financial burden.

Sharia Contracts Used

Multiguna iB Hijrah applies contracts that align with the nature of your financing:

Murabahah (cost-plus sale with agreed margin) for goods purchases
Ijarah Multijasa (service-based financing) for service-related needs

These contracts ensure transparency and compliance with sharia principles throughout the financing process.

Financing Details

Here are the main specifications:

Financing amount: Rp5.000.000-Rp200.000.000
Tenor: 12 to 96 months
Margin: 14.5% – 29.16%
Minimum income requirement:
- Jabodetabek: Rp3.000.000
- Outside Jabodetabek: Rp2.000.000

With a wide financing range, you can tailor the amount and repayment period to match your financial capacity.

Eligibility Requirements

To apply for Multiguna iB Hijrah, you should meet the following criteria:

Individual applicant
Employee receiving payroll through Bank Muamalat
Not listed in any problematic financing records
Aged between 21–65 years (depending on employment type)
Have a stable or variable income (fixed or non-fixed income)

Optional insurance is also available to provide additional protection during the financing period.

Service Coverage

Multiguna iB Hijrah is available across Indonesia, including:

Sumatra
Java
Kalimantan
Sulawesi
Maluku
Papua

This broad coverage ensures accessibility for customers in many regio

Fees to Consider

Before applying, it is important to understand the potential costs involved:

Administration fees
Stamp duty fees
Insurance fees (if applicable)

Reviewing these costs upfront helps you maintain better financial planning.

Plan Your Goals with Greater Confidence

Life’s needs don’t always come with perfect timing, but how you manage them can be well planned. Multiguna iB Hijrah offers a practical and flexible financing solution that aligns with sharia values.

With no collateral, no down payment, and fixed installments, you can move forward with greater certainty, whether you are funding everyday needs or bigger life plans.

For more information, visit the nearest branch of Bank Muamalat Indonesia or contact SalaMuamalat at 1500016.

What Is Multiguna iB Hijrah? Benefits, Features, and How to Apply

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