iB Hijrah Term Savings Account
Product Detail
Term Saving account in IDR with auto-debit monthly deposit. Created to fulfill specified plan/need and protected by insurance benefit.
Benefit
- Measurable targeted fund for specified purpose
- Fund fully managed with sharia principle
- Insurance benefit protection:
- Ma life insurance benefit up to Rp 1 billion/same customer
- All covered include remaining monthly deposit until maturity date plus 20x monthly deposit for grief compensation if:
- Accidental Death Benefit (for 3-6 months saving period)
- Natural Death Benefit (for > 6 bulan saving period)
Benefit insurance illustration:
- Term of Saving: 5 years (60 months)
- Monthly deposit: Rp 1 Million
- Customer passed away in 24th month
So,
|
Monthly deposit had been done |
24 months x Rp 1 million |
Rp 24 million |
|
Remaining deposit until maturity date |
(60-24) months x Rp 1 million |
Rp 36 million |
|
Grief compensation |
20 x Rp 1 million |
Rp 20 million |
|
Total funds that will be received by the heirs |
Rp 80 million |
|
Requirement
Indonesian Citizens :
- ID Cards (KTP) / Driving License (SIM) / PASSPORT
- NPWP
Foreigners :
- Passport/KITAS/KITAP
- Tax Registration
Fare
|
Akad |
MUdharabah Muthlaqah |
|
Nisbah |
30 : 70 |
|
Term of saving |
3 months – 20 years |
|
Age when opening account |
17 – 60 y.o |
|
Max. Age when maturity date |
65 y.o |
|
Min. Deposit/month |
Rp 100.000,- |
|
Min. Deposit (top up) |
Rp 100.000,- |
|
Passbook Replacement Fee |
Rp 25.000,- |
|
Account Closing Fee |
Rp 100.000,- |
|
Monthly Administration Fee |
Free |