Product & Services
Product & Services
Financing

Solusi Emas Hijrah

Product Details

Solusi Emas Hijrah is a financing product where the Bank provides financing facilities to Customers to purchase goods with a Murabahah Agreement in the form of gold bars/blocks, by installments (installments). These gold items will be placed in the control and safekeeping of the Bank as Collateral until the financing is declared paid off by the Bank.

 

Benefits

  • In accordance with sharia principles.
  • Gold as an investment instrument has the properties of a hedge, so that God willing, it can reduce the impact of inflation on customer assets.
  • Financing Gold Ownership at Bank Muamalat uses a murabahah contract, where the value sales determined by the Bank will not change.
  • Maximum grams submitted is 500 grams.
  • Process easy and fast submission (sameday).
  • Financing term up to 10 years
  • The authenticity of the gold obtained is guaranteed because Bank Muamalat collaborates with ANTAM, Galeri24 and Hartadinata, the largest gold supplier in Indonesia
  • Installments start from around IDR 4,000 per day
  • Gold is safely stored in the bank during the financing period.

 

Opening Conditions

  • Indonesian citizen 
  • Individual customers
  • Minimal age 21 years old when applying for Financing
  • Maximum age 55 years or the age adjusted for the prospective customer's retirement period working at the time of financing maturity and 70 years for self-employed 
  • Not included in problematic financing list
  • Employee status:
    - Permanent employees
    - Contract employees
    - Entrepreneurs / Professionals
  • Auto debit facility from Bank Muamalat savings
  • Complete administrative requirements for submission:
    - Financing Application Form
    - Photocopy of resident identity (KTP)
    - Photocopy of tax card (NPWP = if submission more than 50 million)

 

FEATURES

Criteria

Description

Citizenship

Indonesia

Customer Age

Fixed Income:
  • Minimum 21 Years
  • Maximum 55 years or age adjusts retirement period prospective customers works on at the end of financing
Non Fixed Income:
  • Minimum 21 Years 
  • Maximum 70 years at maturity of financing
Coverage Area

Throughout Indonesia

Types of Gold Pieces

5, 10, 25, 50 and 100 gr

Tenor

12 months - 120 months

Margin

Starting from 9.5%

Length of Work / Business

Minimum 3 months

Financing Limit

Gold Installment financing amount is 5 grams  and  maximum 500 grams  per Customer

Note :

  1. Financing limit according to gold price;
  2. The amount of financing provided depends on the results of the financing calculation, after taking into Down Payment

Minimum Income (THP)

Minimum IDR 1,500,000

Down Payment

Requirements Money Down Payment per Submission of:

  • DP 0%* (*according to applicable regulations)
  • DP min 5% : payroll Customer
  • DP min 20% : Non Payroll Customer

Contract

  • Sharia Contract : Murabahah Without Wakalah 
  • Guarantee Agreement : Pawn Contract

Life Insurance

Optional

 

FAQ Solusi Emas Hijrah

 

Questions

Answers

A.     Criteria  General

1

  What is Solusi Emas  Hijrah?

Solusi Emas Hijrah  is  product  financing  where Bank  provides facilities financing  to  Customers  to  performs purchase Antam precious metals with Murabahah contract, how is paid in installments.  Antam precious metals will placed in mastery of  and  security Bank  as  Collateral  to  with  financing declared paid off by Bank. 

2

Financing Term of Solusi Emas Hijrah?

12 – 120 month (multiples of 12 months)

3

Financing Limit of Solusi Emas Hijrah?

  • Minimum Precious Metal 5 grams
  • Maximum Precious Metal 500 grams for each customer

4

What is ype of gold financed?

By 24 carat Precious Metal produced and certified by PT. Antam, Galeri24 (certicard gold type) and Hartadinata (Emasku)

5

Is Solusi Emas Hijrah in accordance with sharia principles?

This product is in accordance with Fatwa DSN-MUI No. 04/DSN-MUI/IV/2000 About Murabahah.

 

This product has also been reviewed and received approval from the Sharia Supervisory Board of Bank Muamalat. 

6

Where is Financing coverage area of

Solusi Emas Hijrah?

All over Indonesia, Gradual implementation

7

What is the contract of Solusi Emas Hijrah?

  1. Financing Agreement uses a murabahah contract
  2. Pawn Agreement for gold collateral storage

8

What benefits do I get for Solusi Emas Hijrah?

The gold obtained is guaranteed to be authentic because Bank Muamalat collaborates with ANTAM, Galeri24 and Hartadinata, which are the largest gold suppliers in Indonesia

9

What are the benefits of  Solusi Emas Hijrah Financing at Muamalat Bank

  1. In accordance with sharia principles   
  2. Solusi Emas Hijrah at Bank Muamalat uses a murabahah contract, where the selling value is determined by Bank
  3. Small Down Payment and Installments up to 120 months
  4. Easy application process and fast process at the same day after completed documents are received and Mr./Mrs. prepares the funds that need sright time

Document requirements are very easy, just photocopy of resident identity (KTP) and tax card (NPWP = if the application is more than IDR 50 million) 

10

Where is Gold Collateral stored? 

Collateral will be stored at Hasanah Muamalat Bank Head Office (Muamalat Tower) or designated branch office

11

Is there a DP (Down Payment) fo Solusi Emas Hijrah?

Yes, there is. Starting from 0%* (*subject to applicable conditions) to a maximum of 50%

12

Can the down payment be paid in installments? 

No.  If the DP is paid in installments, the customer can only get financing facilities after the DP has been fulfilled according to the latest gold price calculations. 

13

Is Gold financed by in- insurance cover?

cover  by Gold In Safe (GIS) and Gold In Transit (GIT)

14

There is life insurance for customers?

Opsional

15

Is customer can make accelerated repayment?

Yes. Customer can make accelerated repayment

16

Is customer can make accelerated repayment using the proceeds from the sale of collateralized gold?

Can not. Accelerated repayment is only permitted from the Customer's personal funds. 

17

What is the Solusi Emas Hijrah installment scheme?

The installment scheme is effectively decreasing

18

What are the requirements for applying Solusi Emas Hijrah financing?

 Employee, Enterpreneur, or Professional

19

Are customers required to provide income documents?

Not mandatory

20

What are the requirements for applying Solusi Emas Hijrah financing?

  1. Have a job as employee, Enterpreneur, or Professional
  2. Has a minimum income of IDR 1.5 million

Submit documents for the financing process, resident identity (KTP) and tax card (NPWP = if the application is more than IDR 50 million) 

21

If I have completed the financing, can I take the collateral?

Yes, you can collect the Collateral at the HUB Muamalat Bank

22

Can the Collateral be kept by the Bank after the financing is completed?

No, the customer must immediately take it within 30 days after the financing facility is completed.   

 

List of Branch Coverage Areas and Collateral Storage Locations

Region

Gold Depository Branch

Branch Code

Branch Name

JABAR KALIMANTAN 1

BANDUNG

101

BANDUNG

JABAR KALIMANTAN 1

BANDUNG

102

KCP DAGO

JABAR KALIMANTAN 1

BANDUNG

103

KCP SETIABUDI

JABAR KALIMANTAN 1

BANDUNG

105

KCP CIMAHI

JABAR KALIMANTAN 1

BANDUNG

106

KCP PURWAKARTA

JABAR KALIMANTAN 1

BANDUNG

108

KCP UJUNG BERUNG

JABAR KALIMANTAN 1

BANDUNG

111

KCP CICADAS

JABAR KALIMANTAN 1

BANDUNG

112

KCP KOPO

JABAR KALIMANTAN 1

BANDUNG

113

KCP ISTIQOMAH BANDUNG

JABAR KALIMANTAN 1

BANDUNG

117

KCP SUBANG

JABAR KALIMANTAN 1

BANDUNG

118

KCP RANCAEKEK

JABAR KALIMANTAN 1

BANDUNG

120

KCP PADALARANG

JABAR KALIMANTAN 1

BANDUNG

146

KCP SOREANG

JABAR KALIMANTAN 1

BANDUNG

341

KARAWANG

JABAR KALIMANTAN 1

BANJARMASIN

611

BANJARMASIN

JABAR KALIMANTAN 1

BANJARMASIN

613

KCP BANJARBARU

JABAR KALIMANTAN 1

BANJARMASIN

620

KCP BARABAI

JABAR KALIMANTAN 1

CIANJUR

141

CIANJUR

JABAR KALIMANTAN 1

CIANJUR

143

KCP CIPANAS

JABAR KALIMANTAN 1

CIREBON

131

CIREBON

JABAR KALIMANTAN 1

CIREBON

132

KCP KUNINGAN CIREBON

JABAR KALIMANTAN 1

CIREBON

135

KCP INDRAMAYU

JABAR KALIMANTAN 1

CIREBON

136

KCP MAJALENGKA

JABAR KALIMANTAN 1

CIREBON

137

KCP ARJAWINANGUN

JABAR KALIMANTAN 1

CIREBON

139

KCP SUMBER CIREBON

JABAR KALIMANTAN 1

GARUT

104

KCP GARUT

JABAR KALIMANTAN 1

PALANGKARAYA

631

PALANGKARAYA

JABAR KALIMANTAN 1

PALANGKARAYA

632

KCP SAMPIT

JABAR KALIMANTAN 1

PALANGKARAYA

634

KCP PANGKALAN BUN

JABAR KALIMANTAN 1

PONTIANAK

621

PONTIANAK

JABAR KALIMANTAN 1

SUKABUMI

161

SUKABUMI

JABAR KALIMANTAN 1

SUKABUMI

162

KCP CIBADAK

JABAR KALIMANTAN 1

TASIKMALAYA

151

TASIKMALAYA

JABAR KALIMANTAN 1

TASIKMALAYA

152

KCP CIAMIS

JAKARTA EAST

MUAMALAT TOWER

121

BOGOR

JAKARTA EAST

MUAMALAT TOWER

123

KCP IPB DARMAGA

JAKARTA EAST

MUAMALAT TOWER

124

KCP CIBINONG

JAKARTA EAST

MUAMALAT TOWER

305

KALIMALANG

JAKARTA EAST

MUAMALAT TOWER

306

KCP SUNAN GIRI RAWAMANGUN

JAKARTA EAST

MUAMALAT TOWER

307

DEPOK

JAKARTA EAST

MUAMALAT TOWER

309

RAWAMANGUN

JAKARTA EAST

MUAMALAT TOWER

310

SAWANGAN BOJONGSARI

JAKARTA EAST

MUAMALAT TOWER

313

JABABEKA

JAKARTA EAST

MUAMALAT TOWER

317

DEWI SARTIKA

JAKARTA EAST

MUAMALAT TOWER

318

KRAMAT RAYA

JAKARTA EAST

MUAMALAT TOWER

320

BUARAN KLENDER

JAKARTA EAST

MUAMALAT TOWER

321

KELAPA GADING

JAKARTA EAST

MUAMALAT TOWER

322

WOLTER MONGINSIDI

JAKARTA EAST

MUAMALAT TOWER

323

PANCORAN

JAKARTA EAST

MUAMALAT TOWER

329

KALIMAS BEKASI

JAKARTA EAST

MUAMALAT TOWER

331

KCP CIKEAS

JAKARTA EAST

MUAMALAT TOWER

335

KCP PONDOK GEDE

JAKARTA EAST

MUAMALAT TOWER

339

KCP CIMANGGIS

JAKARTA EAST

MUAMALAT TOWER

345

KCP GRAND WISATA

JAKARTA EAST

MUAMALAT TOWER

347

KCP JUANDA BEKASI

JAKARTA EAST

MUAMALAT TOWER

348

KCP KEMANG PRATAMA

JAKARTA EAST

MUAMALAT TOWER

349

KCP CIKARANG

JAKARTA EAST

MUAMALAT TOWER

367

KCP ASRAMA HAJI PONDOK GEDE

JAKARTA EAST

MUAMALAT TOWER

369

KCP PONDOK KOPI

JAKARTA EAST

MUAMALAT TOWER

380

KCP KRANGGAN

JAKARTA EAST

MUAMALAT TOWER

394

KCP KEMENKEU

JAKARTA EAST

MUAMALAT TOWER

454

KCP CONDET

JAKARTA EAST

MUAMALAT TOWER

455

KCP PASAR MINGGU

JAKARTA EAST

MUAMALAT TOWER

458

KCP BINTARA BEKASI

JAKARTA WEST

MUAMALAT TOWER

301

MUAMALAT TOWER

JAKARTA WEST

MUAMALAT TOWER

302

CIPULIR

JAKARTA WEST

MUAMALAT TOWER

303

BUMI SERPONG DAMAI

JAKARTA WEST

MUAMALAT TOWER

304

FATMAWATI

JAKARTA WEST

MUAMALAT TOWER

311

KCP SLIPI

JAKARTA WEST

MUAMALAT TOWER

312

ROXY

JAKARTA WEST

MUAMALAT TOWER

319

PURI INDAH

JAKARTA WEST

MUAMALAT TOWER

324

MELAWAI

JAKARTA WEST

MUAMALAT TOWER

325

CENGKARENG

JAKARTA WEST

MUAMALAT TOWER

326

TANGERANG CITY

JAKARTA WEST

MUAMALAT TOWER

327

KEBON JERUK

JAKARTA WEST

MUAMALAT TOWER

328

CILEDUG

JAKARTA WEST

MUAMALAT TOWER

330

BINTARO JAYA

JAKARTA WEST

MUAMALAT TOWER

332

KCP CINERE

JAKARTA WEST

MUAMALAT TOWER

336

KCP MERDEKA TANGERANG

JAKARTA WEST

MUAMALAT TOWER

350

KCP PB SUDIRMAN

JAKARTA WEST

MUAMALAT TOWER

374

KCP DARUNNAJAH

JAKARTA WEST

MUAMALAT TOWER

384

KCP AL AZHAR KEBAYORAN

JAKARTA WEST

MUAMALAT TOWER

388

KCP PAMULANG

JAKARTA WEST

MUAMALAT TOWER

389

KCP CIKUPA TANGERANG

JAKARTA WEST

MUAMALAT TOWER

390

KCP UIN SYARIF HIDAYATULLAH

JAKARTA WEST

MUAMALAT TOWER

391

KCP AL AZHAR SERPONG

JAKARTA WEST

CILEGON

333

CILEGON

JAKARTA WEST

SERANG

308

SERANG

JAKARTA WEST

SERANG

492

KCP BALARAJA

JATENG DIY KALIMANTAN 2

BALIKPAPAN

601

BALIKPAPAN

JATENG DIY KALIMANTAN 2

BALIKPAPAN

604

KCP TANAH GROGOT

JATENG DIY KALIMANTAN 2

BALIKPAPAN

615

KCP KILO

JATENG DIY KALIMANTAN 2

PEKALONGAN

511

PEKALONGAN

JATENG DIY KALIMANTAN 2

PEKALONGAN

514

KCP PEMALANG

JATENG DIY KALIMANTAN 2

PEKALONGAN

515

KCP BATANG

JATENG DIY KALIMANTAN 2

PURWOKERTO

541

PURWOKERTO

JATENG DIY KALIMANTAN 2

PURWOKERTO

542

KCP CILACAP

JATENG DIY KALIMANTAN 2

PURWOKERTO

544

KCP PURBALINGGA

JATENG DIY KALIMANTAN 2

SAMARINDA

602

SAMARINDA

JATENG DIY KALIMANTAN 2

SAMARINDA

603

KCP BONTANG

JATENG DIY KALIMANTAN 2

SAMARINDA

605

KCP SANGATTA

JATENG DIY KALIMANTAN 2

SAMARINDA

606

KCP TARAKAN

JATENG DIY KALIMANTAN 2

SAMARINDA

607

KCP BERAU

JATENG DIY KALIMANTAN 2

SEMARANG

501

SEMARANG

JATENG DIY KALIMANTAN 2

SEMARANG

502

KCP MAGELANG

JATENG DIY KALIMANTAN 2

SEMARANG

504

KCP KENDAL

JATENG DIY KALIMANTAN 2

SEMARANG

508

KCP SALATIGA

JATENG DIY KALIMANTAN 2

SEMARANG

509

KCP WONOSOBO

JATENG DIY KALIMANTAN 2

SEMARANG

548

KCP MASJID BAITURRAHMAN SEMARANG

JATENG DIY KALIMANTAN 2

SOLO

521

SOLO

JATENG DIY KALIMANTAN 2

SOLO

522

KCP KARTASURA

JATENG DIY KALIMANTAN 2

SOLO

523

KCP BOYOLALI

JATENG DIY KALIMANTAN 2

SOLO

524

KCP WONOGIRI

JATENG DIY KALIMANTAN 2

SOLO

526

KCP KLATEN

JATENG DIY KALIMANTAN 2

SOLO

527

KCP SRAGEN

JATENG DIY KALIMANTAN 2

SOLO

530

KCP KARANGANYAR

JATENG DIY KALIMANTAN 2

TEGAL

512

TEGAL

JATENG DIY KALIMANTAN 2

YOGYAKARTA

506

KUDUS

JATENG DIY KALIMANTAN 2

YOGYAKARTA

507

KCP PATI

JATENG DIY KALIMANTAN 2

YOGYAKARTA

531

YOGYAKARTA

JATENG DIY KALIMANTAN 2

YOGYAKARTA

532

KCP WIROBRAJAN

JATENG DIY KALIMANTAN 2

YOGYAKARTA

533

KCP PKU BANTUL

JATENG DIY KALIMANTAN 2

YOGYAKARTA

534

KCP UII YOGYAKARTA

JATENG DIY KALIMANTAN 2

YOGYAKARTA

535

KCP UGM YOGYAKARTA

JATENG DIY KALIMANTAN 2

YOGYAKARTA

537

KCP AMIKOM YOGYAKARTA

JATENG DIY KALIMANTAN 2

YOGYAKARTA

567

KCP BANTUL

JATIM, BALI & NUSRA

DENPASAR

751

DENPASAR

JATIM, BALI & NUSRA

JEMBER

731

JEMBER

JATIM, BALI & NUSRA

JEMBER

732

KCP GENTENG

JATIM, BALI & NUSRA

JEMBER

733

KCP SITUBONDO

JATIM, BALI & NUSRA

JEMBER

735

KCP BONDOWOSO

JATIM, BALI & NUSRA

JEMBER

737

KCP BANYUWANGI

JATIM, BALI & NUSRA

MALANG

711

MALANG

JATIM, BALI & NUSRA

MALANG

712

KCP PASURUAN

JATIM, BALI & NUSRA

MALANG

713

KCP PROBOLINGGO

JATIM, BALI & NUSRA

MALANG

715

KCP KEPANJEN

JATIM, BALI & NUSRA

MALANG

717

KCP BATU

JATIM, BALI & NUSRA

MATARAM

721

MATARAM

JATIM, BALI & NUSRA

MATARAM

724

KCP MASBAGIK

JATIM, BALI & NUSRA

MATARAM

761

KUPANG

JATIM, BALI & NUSRA

SURABAYA DARMO

701

SURABAYA DARMO

JATIM, BALI & NUSRA

SURABAYA DARMO

703

KCP JOMBANG

JATIM, BALI & NUSRA

SURABAYA DARMO

704

KCP MOJOKERTO

JATIM, BALI & NUSRA

SURABAYA DARMO

707

KCP RUNGKUT

JATIM, BALI & NUSRA

SURABAYA DARMO

708

KCP GRESIK

JATIM, BALI & NUSRA

SURABAYA DARMO

722

KCP WIYUNG

JATIM, BALI & NUSRA

SURABAYA DARMO

741

KEDIRI

JATIM, BALI & NUSRA

SURABAYA DARMO

742

KCP MADIUN

JATIM, BALI & NUSRA

SURABAYA DARMO

743

KCP PONOROGO

JATIM, BALI & NUSRA

SURABAYA DARMO

744

KCP NGANJUK

JATIM, BALI & NUSRA

SURABAYA DARMO

745

KCP BLITAR

JATIM, BALI & NUSRA

SURABAYA DARMO

746

KCP TULUNG AGUNG

JATIM, BALI & NUSRA

SURABAYA SUNGKONO

706

KCP SIDOARJO

JATIM, BALI & NUSRA

SURABAYA SUNGKONO

771

SURABAYA SUNGKONO

JATIM, BALI & NUSRA

SURABAYA UNDAAN

702

SURABAYA UNDAAN

JATIM, BALI & NUSRA

SURABAYA UNDAAN

772

KCP LAMONGAN

JATIM, BALI & NUSRA

SURABAYA UNDAAN

773

KCP SUMENEP

JATIM, BALI & NUSRA

SURABAYA UNDAAN

775

KCP SEPANJANG

SULAMPUA

AMBON

871

AMBON

SULAMPUA

GORONTALO

811

GORONTALO

SULAMPUA

GORONTALO

812

KCP LIMBOTO

SULAMPUA

GORONTALO

817

KCP BOALEMO

SULAMPUA

JAYAPURA

881

JAYAPURA

SULAMPUA

JAYAPURA

882

KCP TIMIKA

SULAMPUA

JAYAPURA

883

KCP MERAUKE

SULAMPUA

KENDARI

821

KENDARI

SULAMPUA

KENDARI

822

KCP KOLAKA

SULAMPUA

KENDARI

823

KCP BAU - BAU

SULAMPUA

KENDARI

824

KCP BOMBANA

SULAMPUA

KENDARI

825

KCP UNAHA KONAWE

SULAMPUA

MAKASAR

801

MAKASAR

SULAMPUA

MAKASAR

802

KCP PALOPO

SULAMPUA

MAKASAR

803

KCP PARE - PARE

SULAMPUA

MAKASAR

804

KCP BONE

SULAMPUA

MAKASAR

805

KCP GOWA

SULAMPUA

MAKASAR

806

KCP MAROS

SULAMPUA

MAKASAR

808

KCP ATHIRAH MAKASAR

SULAMPUA

MAKASAR

809

KCP PENGAYOMAN MAKASAR

SULAMPUA

MAKASAR

810

KCP DAYA MAKASAR

SULAMPUA

MAKASAR

891

MAMUJU

SULAMPUA

MAKASAR

892

KCP WONOMULYO MAMUJU

SULAMPUA

MANADO

861

MANADO

SULAMPUA

PALU

831

PALU

SULAMPUA

PALU

832

KCP PALU BARAT

SULAMPUA

PALU

834

KCP LUWUK

SULAMPUA

SORONG

851

SORONG

SULAMPUA

SORONG

852

KCP AIMAS

SULAMPUA

SORONG

853

KCP MANOKWARI

SULAMPUA

TERNATE

841

TERNATE

SULAMPUA

TERNATE

842

KCP LABUHA BACAN

SULAMPUA

TERNATE

844

KCP TIDORE

SUMATERA

BANDA ACEH

241

BANDA ACEH

SUMATERA

BATAM

411

BATAM

SUMATERA

BATAM

451

TANJUNG PINANG

SUMATERA

JAMBI

441

JAMBI

SUMATERA

JAMBI

442

KCP MUARA BUNGO

SUMATERA

LAMPUNG

351

LAMPUNG

SUMATERA

LAMPUNG

352

KCP BANDAR JAYA

SUMATERA

LAMPUNG

353

KCP METRO LAMPUNG

SUMATERA

LAMPUNG

355

KCP ZA PAGAR ALAM LAMPUNG

SUMATERA

LAMPUNG

356

KCP KOTABUMI LAMPUNG

SUMATERA

LAMPUNG

357

KCP ANTASARI LAMPUNG

SUMATERA

MEDAN BALAIKOTA

211

MEDAN BALAIKOTA

SUMATERA

MEDAN BALAIKOTA

214

KCP BINJAI

SUMATERA

MEDAN BALAIKOTA

215

KCP SUKARAMAI

SUMATERA

MEDAN BALAIKOTA

230

KCP SERDANG

SUMATERA

MEDAN BALAIKOTA

251

PEMATANG SIANTAR

SUMATERA

MEDAN BALAIKOTA

252

KCP KISARAN

SUMATERA

MEDAN BALAIKOTA

261

LANGSA

SUMATERA

MEDAN BALAIKOTA

262

KCP LHOKSEUMAWE

SUMATERA

MEDAN BALAIKOTA

467

KCP STABAT

SUMATERA

MEDAN BALAIKOTA

482

MEDAN BARU

SUMATERA

PADANG

421

PADANG

SUMATERA

PADANG

422

KCP BUKITTINGGI

SUMATERA

PADANG

423

KCP PAYAKUMBUH

SUMATERA

PADANG

424

KCP SOLOK

SUMATERA

PADANG SIDEMPUAN

231

PADANG SIDEMPUAN

SUMATERA

PADANG SIDEMPUAN

233

KCP PANYABUNGAN

SUMATERA

PALEMBANG

361

PALEMBANG

SUMATERA

PALEMBANG

366

KCP PLAJU

SUMATERA

PALEMBANG

398

KCP BATURAJA

SUMATERA

PALEMBANG

401

KCP ENIM

SUMATERA

PALEMBANG

431

BENGKULU

SUMATERA

PALEMBANG

432

KCP CURUP

SUMATERA

PALEMBANG

473

KCP MANNA BENGKULU

SUMATERA

PALEMBANG

474

KCP ARGA MAKMUR

SUMATERA

PANGKAL PINANG

371

PANGKAL PINANG

SUMATERA

PANGKAL PINANG

372

KCP TANJUNG PANDAN

SUMATERA

PANGKAL PINANG

373

KCP SUNGAILIAT

SUMATERA

PANGKAL PINANG

495

KCP KOBA

SUMATERA

PEKANBARU

221

PEKANBARU

SUMATERA

PEKANBARU

227

KCP KAMPAR