Description

iB Hijrah Deposit Account 

Contract

Mudharabah Mutlaqqah

Customer Category

Individuals and Non-Individuals

Currencies

IDR & USD

Minimum Opening Amount

IDR 5,000,000 (IDR) & USD 1,000 (USD)

Term Options

1, 3, 4, 6, and 12 months

Customer Ratio

*) The profit sharing amount follows the Bank's provisions and if there is a change in the ratio, it will be informed through media deemed sufficient by the Bank.

Profit Sharing Payment Period

Paid monthly*

 *) on the anniversary of the month or the same date of the following month.

• If the deposit is opened/rolled over at the end of the month, it is paid at the end of each month.
• If the profit sharing period falls on a holiday, it is paid on the next business day.

Profit Sharing Tax

20%

 *) Refers toperaturan Menteri Keuangan No 212/PMK.03/2018 or applicable tax regulations, including any amendments, if any.

Product Features

• Deposit principal automatically extended upon maturity (ARO)
• Deposit principal and profit sharing automatically extended upon maturity (ARO Capitalization)
• Deposit Liquidated upon maturity (Non-ARO)
• Zakat or Non-Zakat Features

Account Opening Methods

Bank Muamalat Branch Offices

Account Closing Methods

Bank Muamalat Branch Offices*

*) It is recommended to do so at the branch office where the account was opened. However, it can also be done at the nearest Muamalat branch.

IDR 30,000 and USD 5

Other Fees

Stamp duty on advice* and/or other fees, if applicable, in accordance with applicable regulations or provisions.

*) Valid as of January 23, 2023