Definition of Emas Berkah
- Financing Products For Gold Metals Ownership (Akad Murabahah)
- Financing Products For Short Term Fund / Additional Working Capital With Gold Assurance (Qardh Agreement)
Advantages of Emas Berkah
- The process is fast, easy and cheap according to the rules
- consumptive and micro financing
- Light administration fee
- Duration is flexible and can be extended
- Redemption accelerated without penalty
- Storage and maintenance is safe
- Disbursement of funds (dropping facilities) can be done through a savings account or current account.
- Repayment of financing and charging of all expenses is done by:
- Debiting the customer's account in accordance debit authorization contained in the letter of Syariah’s Pawn contract
- Depositing a number of specific funds
- Sell the collateral if it can not pay off
- Provision of discount as stated in the maintenance fee table when the settlement is accelerated for a maximum financing period of 30 days or less commencing from the date of the transaction.
Requirements of Emas Berkah
- Fill out the Account Opening Application Form and Agreement As well as Other Support Forms
- Attach a copy of valid ID / Driving License / Passport / Passport
Terms Emas Berkah
Information | Gold Instalment | Gold Pawn |
(Murabahah*) | (Qardh*) |
Object Financing
| Gold Lantakan | Gold Lantakan and Gold Jewerly |
Amount of Financing
| Minimum : 5 Gram Maximum : 150.000.000,-
| Minimum : 2.000.000,-
Maximum : 250.000.000,- Mikro Maximum : 50.000.000,- |
Time Period | 2 Year - 5 Year | Maximum 120 Day / 4 Month |
Cost Administration | 1% of Financing Ceiling | < 25 gram = IDR 50.000,- > 25 gram at an additional charge IDR. 1.000 / gram |
Storage and Maintenance Fee
|
| IDR. 4.500,-/ gram per 1 (one) month |