Time Deposit Mudharabah

Advantages of Mudharabah Deposit

  • The ratio of the profit-sharing ratio makes your investment grow faster
  • Available in flexible timeframe 1,3,6,12 and 24 months
  • Can be automatically renewed
  • Can be used as credit guarantee according to credit policy
  • Account balance is more secure because it has followed the LPS program

Regulations of Mudharabah Deposit

  • Intended for individual customers, business entities or government
  • Minimum initial deposit of IDR1Million
  • Minimum deposit for interbank deposits is IDR1Billion
  • Account balance above IDR7.5Million is subject to tax in accordance with applicable regulations
  • Disbursement before maturity, profit sharing is not given and penalty charged IDR50.000

Requirements of Mudharabah Deposit

Individual

  • Fill out the account opening application form
  • Attach a copy of valid ID / Driving License / Passport
  • Attach a copy of the NPWP (if any)
  • Not listed in Bank Indonesia Black List

Business Entity

  • Fill out the account opening application form
  • Attach a copy of valid ID / Driving License / Passport
  • Attach a copy of the deed of establishment and its amendments and the latest board composition
  • Attach a copy of other business licenses (SIUP, SITU, TDP)
  • Attach a copy of the appointment letter / appointment
  • Attach a copy of the NPWP (if any)
  • Not listed in Bank Indonesia Black List

Nisbah Profit Sharing

NONOMINALNISBAH PROFIT SHARING
  1 Month3 Month6 Month12 Month24 Month
1 1 Million up to  < 100 Milion 43 : 57  43 : 57  41 : 59  39 : 61  63 : 37 
2 100 Million up to < 1 Billion 43 : 5741 : 59  41 : 59 39 : 61  63 : 37  
3 1 Billion up to < 10 Billion 41 : 59 39 : 61 39 : 61 39 : 61  63 : 37  
410 Billion up to  < 100 Billion 39 : 61 39 : 61 39 : 61 39 : 61  63 : 37  
5 > 100 Billion39 : 61 39 : 61 39 : 61 39 : 61  63 : 37