BNI Syariah remains responsive to the needs of the Indonesian market through offering flexible financing products in line with shariah banking principles that continue to evolve with the changes in Indonesian consumer habits.
As a means of strengthening brand equity for its consumer products, BNI Syariah leads the spread of 'Hasanah'; a concept that encourages society to set about living virtuously and taking action to have a positive impact. Social media platforms and national newspapers provide the bank with the outlets to drive the popularisation of this lifestyle trend as well as reinforce its retail products’ standing as among the most trustworthy in Indonesia.
The Griya iB Hasanah Financing product is specifically for purchasing or renovating a property utilising the marabahah principle. It is a consumptive loan facility offering highly competitive margins with a low down payment using fixed payment instalments for financing of up to 5 billion IDR for a maximum period of 15 years. BNI Syariah has also established partnerships with many of Indonesia’s leading property developers to provide clients with lower down payment obligations and swift service.
As an offshoot of Griya iB Hasanah Financing, Griya iB Construction Hasanah Financing is a productive loan facility designed specifically to fund the construction of housing and public facilities. In keeping with shariah principles, this product is distinct from loans used in the direct purchase and processing of land, and caters to the immediate needs of a market set to see the construction sector boom in line with rising private investment in property.
The BNI Syariah Financing Card is an innovative solution for everyday consumer financing needs that remains in adherence to Islamic banking principles which prohibit the levying of interest. The card offers a competitive, transparent and fixed rate for using credit both in Indonesia and worldwide. The flexibility of the terms of the card means that it can be used for consumer purchases and for financing other needs as well as business use.
The Rahn Emas iB Hasanah provides consumers with quick access to funds by using gold bars as collateral known as ‘rahn financing’. The product has been designed to give customers swift access to the financing facility through a streamlined administration and approval process.The Multiguna iB Hasanah is a consumptive financing facility utilising the shariah principle of murabahah whereby goods or an asset is purchased with an ‘honest declaration of cost’ of the mark up that has been added to the final price and then bought back by the customer. The loan is repaid in fixed instalments making it an ideal financial and cash flow planning instrument for professionals and employees.The Flexi iB Hasanah is another product providing a consumptive financing facility and is designed for those with a fixed income such as individual employees, businesses and government bodies. It offers highly competitive margins versus conventional banking products and can be used for a variety of purposes including the purchase of goods, leasing of services, education and travel.