Sharia Financing Solutions for Various Consumer Needs
Flexible financing tailored to your requirements, in accordance with Sharia principles.
Sharia Financing for Diverse Requirements
Sharia Principles
Meeting diverse requirements
Seamless financing access
Convenient and streamlined requirements
Fees and Charges Applicable to Multipurpose Sharia Financing (Multiguna iB)
Administrative Fees
Insurance Premiums
Terms and Conditions of Application
Target Eligibility
- Civil Servants (PNS) of the DKI Jakarta Provincial Government
- Probationary Civil Servants (CPNS) of the DKI Jakarta Provincial Government
- Permanent Employees of Regional-Owned Enterprises (BUMD)
- Management of Regional-Owned Enterprises (BUMD)
- Permanent Employees of Regional Public Service Agencies (BLUD/RSUD/RSKD/RSUK/Puskesmas)
Indonesian Citizen (WNI)
Residing within the Bank Jakarta operational area
Provision of standard documentation: National ID (KTP), Family Card (KK), color photograph, copy of bank statement, Tax ID (NPWP), and Bank Jakarta savings account
Submission of application documents in accordance with prevailing regulations
Additional Information
Penalties, Settlement, and Other Information
- Penalty provisions (Ta’zir): A late payment penalty of 2.5% of the outstanding margin/profit sharing/ujrah or as agreed upon, wherein such penalty funds are allocated for social purposes. Customers remain obligated to settle the principal and margin in accordance with the underlying sharia contract (akad).
- Early settlement provisions (Murabahah Contract): Calculated as the remaining principal plus at least 1 month of margin; this must not exceed the total murabahah debt, and the remaining unmatured margin shall be treated as a bank discount for the customer.
- Early settlement provisions (Ijarah Multijasa Contract): Calculated as the remaining principal plus at least 1 month of ujrah; this must not exceed the total remaining lease obligation, and the remaining unmatured ujrah shall be treated as a bank discount.
- Early settlement provisions (Musyarakah Mutanaqisah (MMQ) Contract): Calculated as the remaining principal plus at least 1 month of ujrah; this must not exceed the total remaining lease obligation, and the remaining unmatured ujrah shall be treated as a bank discount.
- Bank Jakarta iB financing is designed to fulfill various consumer requirements, with a financing tenor of up to 20 years.
- Risk of penalties (Ta’zir) will be recorded in the Financial Information Services System (SLIK), with potential risk of application rejection should requirements remain unmet.
- Bank Jakarta reserves the right to decline financing applications that fail to meet the requirements; customers are required to comprehend all terms and conditions of the underlying sharia contracts prior to submission.
- Product information is subject to change in accordance with Bank policies and prevailing regulations.
Product Information Summary (RIPLAY)
Frequently Asked Questions (FAQ)
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