BNI Syariah offers a broad variety of savings products that take into account particular long as well as short term savings goals in addition to everyday banking service needs. The products come under the ‘Hasanah’ brand having been constructed and formulated in line with Islamic principles namely muthlaqah, mudharabah and wadiah as well as being specifically crafted to the financial savings needs of Indonesia’s diverse consumer and corporate market.
The iB Hasanah Saving and iB Prima Hasanah Saving provide total user flexibility in making transactions through the provision of an ATM/Debit MasterCard card as well as mobile banking services. The MasterCard global network enables customers to carry out international transactions making it an ideal shariah compliant savings product for travellers, students and others that require immediate access to their funds.
The iB Tapenas Hasanah Saving product is a savings deposit product aimed at helping customers plan for major future events such as education and can also be used for Hajj savings. In addition to offering higher revenue sharing, the product also provides long term financial planning tools such as life and health insurance coverage.
For business users, BNI Syariah gives customers total flexibility for their shariah compliant savings needs. The iB Bisnis Hasanah Saving and iB Hasanah Giro have been designed for small businesses, being available in Rupiah and US Dollars and is unique in offering an Intercity Clearing Facility for cheque and giro withdrawals at various banks across Indonesia.
BNI Syariah aims for its products to play an active role in promoting a savings and financial planning culture throughout Indonesia. The iB TabungkanKu savings product is based on the wadiah principle and is free of administrative charges as part of a government program to promote savings minded behaviour. The iB Hasanah Deposit is targeted at those with long term savings goals by featuring competitive revenue sharing.
Indonesia is the largest Muslim majority country worldwide and is the largest source of Hajj pilgrims every year equating to 220,000 pilgrims annually. The iB Baitullah Hasanah Saving product offers a saving facility for customers planning to go on Hajj in order to raise the initial deposit required and is based on the muthlaqah principle.