Is a lending which the whole capital were undertake by the bank. The earning profit will be share according to the agreed nisbah.
Agreement
•MUDHARABAH - Investment transaction from the investor (shahibul maal) to the custodian (mudharib) in order to manage the capital which according to sharia principle, with agreed profit sharing by both of side.
Advantages
• Covering the whole capital budget
• Fixed sharing profit nisbah between the bank and the customer
• Changing payment according to the revenue level or revenue sharing
FACILITYS
• Profit sharing according to the agreement
• Flexible mechanism payment (per month or lump sum)
• Profit sharing base on the revenue sharing
National Shari’a Committee Instruction No: 07/DSN-MUI/IV/2000 about Mudharabah Lending (Qiradh).
Monday, January 26, 2009
Thursday, January 15, 2009
SANAMA DEPOSIT
Agreement
Mudharabah : Investment transaction from the investor (shahibul maal) to the custodian (mudharib) in order to manage the capital which according to sharia principle, with agreed profit sharing by both of side.
Mudharabah Muthlaqoh : Agreement between the investor (shahibul maal) with the custodian (mudharib) to make a profit which will share for both of them that according to the agreement. The mudharib have an authority to manage the capital in any field without the investor's approval.
ADVANTAGES
• Directed investment based on sharia principle
• Term choices : 1, 3, 6, and 12 month
• Save and guaranteed
• Lending guarantee capability
• Competitif sharing profit
FACILITYS
• Automatic Roll Over (ARO)
• The sharing profit could be added to the principle amount of deposit, transfer or overbook
Purposal :
• Individual
• Institution
Conditional :
• ID Card
• For Institution : NPWP, Company Certificate, Company license, etc
• Minimum Nominal: Rp 500,000
National Shari’a Comittee Instruction No: 03/DSN-MUI/IV/2000 about Deposit.
Mudharabah : Investment transaction from the investor (shahibul maal) to the custodian (mudharib) in order to manage the capital which according to sharia principle, with agreed profit sharing by both of side.
Mudharabah Muthlaqoh : Agreement between the investor (shahibul maal) with the custodian (mudharib) to make a profit which will share for both of them that according to the agreement. The mudharib have an authority to manage the capital in any field without the investor's approval.
ADVANTAGES
• Directed investment based on sharia principle
• Term choices : 1, 3, 6, and 12 month
• Save and guaranteed
• Lending guarantee capability
• Competitif sharing profit
FACILITYS
• Automatic Roll Over (ARO)
• The sharing profit could be added to the principle amount of deposit, transfer or overbook
Purposal :
• Individual
• Institution
Conditional :
• ID Card
• For Institution : NPWP, Company Certificate, Company license, etc
• Minimum Nominal: Rp 500,000
National Shari’a Comittee Instruction No: 03/DSN-MUI/IV/2000 about Deposit.
Sanama Mudharabah Saving
Agreement
Mudharabah : Investment transaction from the investor (shahibul maal) to the custodian (mudharib) in order to manage the capital which according to sharia principle, with agreed profit sharing by both of side.
Mudharabah Muthlaqoh : Agreement between the investor (shahibul maal) with the custodian (mudharib) to make a profit which will share for both of them that according to the agreement. The mudharib have an authority to manage the capital in any field without the investor's approval.
Advantages
1. Short term investment
2. Save keeping and Guaranteed
3. Deposit and draw account in any BMT Sanama Operasional Offices
4. Pick and delivery services for deposit and draw account
5. Standing order service
6. Zakah, infaq and shodaqoh relocate.
National Sharia Committee Instruction No: 02/DSN-MUI/IV/2000 about Saving.
Balancing Determinate
1. Begining Balance: Rp. 10.000
2. Minimum Balance : Rp. 0
3. Minimum Deposit : Rp. 10.000
Mudharabah : Investment transaction from the investor (shahibul maal) to the custodian (mudharib) in order to manage the capital which according to sharia principle, with agreed profit sharing by both of side.
Mudharabah Muthlaqoh : Agreement between the investor (shahibul maal) with the custodian (mudharib) to make a profit which will share for both of them that according to the agreement. The mudharib have an authority to manage the capital in any field without the investor's approval.
Advantages
1. Short term investment
2. Save keeping and Guaranteed
3. Deposit and draw account in any BMT Sanama Operasional Offices
4. Pick and delivery services for deposit and draw account
5. Standing order service
6. Zakah, infaq and shodaqoh relocate.
National Sharia Committee Instruction No: 02/DSN-MUI/IV/2000 about Saving.
Balancing Determinate
1. Begining Balance: Rp. 10.000
2. Minimum Balance : Rp. 0
3. Minimum Deposit : Rp. 10.000
Wednesday, January 14, 2009
Sanama Planned Saving
Is an investment saving which purposed to help people to plan Qurban and Aqiqah.
Agreement
Mudharabah – Investment transaction from the investor (shahibul maal) to the custodian (mudharib) who will manage the fund to perform a business or trading with profit sharing as agreed before the transaction.
Advantages :
• Qurban and Aqiqah which coordinate by an expert Amil Qurban Institution
• The qurban prices has including the distribution prices in each area
• Easy of qurban and aqiqah preparation
• Help the client to make their plan come true
Facilitys :
• Certificate and held evidence of qurban and aqiqah
• Cash drew in any Sanama branch office
• Sharing profit
Specification :
• Copies of ID card
• Have a TASWAD account
National Sharia Committee Instruction no: 02/DSN-MUI/IV/2000 about Saving.
Balancing Determinate
1. Begining Balance: Rp. 10.000
2. Minimum Balance : Rp. 0
3. Minimum Deposit : Rp. 10.000
Service : Autodebit from Sanama Wadiah Saving account.
Agreement
Mudharabah – Investment transaction from the investor (shahibul maal) to the custodian (mudharib) who will manage the fund to perform a business or trading with profit sharing as agreed before the transaction.
Advantages :
• Qurban and Aqiqah which coordinate by an expert Amil Qurban Institution
• The qurban prices has including the distribution prices in each area
• Easy of qurban and aqiqah preparation
• Help the client to make their plan come true
Facilitys :
• Certificate and held evidence of qurban and aqiqah
• Cash drew in any Sanama branch office
• Sharing profit
Specification :
• Copies of ID card
• Have a TASWAD account
National Sharia Committee Instruction no: 02/DSN-MUI/IV/2000 about Saving.
Balancing Determinate
1. Begining Balance: Rp. 10.000
2. Minimum Balance : Rp. 0
3. Minimum Deposit : Rp. 10.000
Service : Autodebit from Sanama Wadiah Saving account.
TASWAD
Sanama Wadiah Fund
The easy way to saving trustfully, build your outstanding future
Wadiah or safekeeping is an instrument that allows a person to keep the wealth or assets belonging to oneself with another person for safekeeping purposes. The custodian shall keep the deposit as if he is keeping and taking care of his own property. As an ammanah contract, this type of wadiah does not impose any liability on the custodian in normal cases of loss or damage except in the case of negligence (wadiah.com).
Advantages
1. Short term Investment
2. Save keeping and Guaranteed
3. Deposit and draw account in any BMT Sanama Operasional Offices
4. Pick and delivery services for deposit and draw account
5. Standing order service
6. Zakah, infaq and shodaqoh relocate.
National Sharia Committee Instruction No: 02/DSN-MUI/IV/2000 about Saving.
Balancing Determinate
1. Begining Balance: Rp. 25.000
2. Minimum Balance : Rp. 0
3. Minimum Deposit : Rp. 10.000
Services
Autodebit for phone bill payment, Mobile phone bill payment, Eletricity bill payment, credit card, inter banking transfer, Installment Sanama’s lending.
The easy way to saving trustfully, build your outstanding future
Wadiah or safekeeping is an instrument that allows a person to keep the wealth or assets belonging to oneself with another person for safekeeping purposes. The custodian shall keep the deposit as if he is keeping and taking care of his own property. As an ammanah contract, this type of wadiah does not impose any liability on the custodian in normal cases of loss or damage except in the case of negligence (wadiah.com).
Advantages
1. Short term Investment
2. Save keeping and Guaranteed
3. Deposit and draw account in any BMT Sanama Operasional Offices
4. Pick and delivery services for deposit and draw account
5. Standing order service
6. Zakah, infaq and shodaqoh relocate.
National Sharia Committee Instruction No: 02/DSN-MUI/IV/2000 about Saving.
Balancing Determinate
1. Begining Balance: Rp. 25.000
2. Minimum Balance : Rp. 0
3. Minimum Deposit : Rp. 10.000
Services
Autodebit for phone bill payment, Mobile phone bill payment, Eletricity bill payment, credit card, inter banking transfer, Installment Sanama’s lending.
Tuesday, January 13, 2009
BMT Sanama
Is a financial institution with the law state as Sharia Finance Service Cooperation which held for increasing the Micro and Small Businesses. Our legal entity is : 10/BH/518-DISKOP.UKM/III/2007.dh KJKS Al Hafiidhi.
Our Products and Services
I. Funding Products :
1. Sanama Wadiah Saving (TASWAD)
2. Sanama Planned Saving
3. Sanama Mudharabah Saving
4. Sanama Deposit
II. Lending Products :
1. Sanama Mudharabah Lending
2. Sanama Murabahah Lending
Our Products and Services
I. Funding Products :
1. Sanama Wadiah Saving (TASWAD)
2. Sanama Planned Saving
3. Sanama Mudharabah Saving
4. Sanama Deposit
II. Lending Products :
1. Sanama Mudharabah Lending
2. Sanama Murabahah Lending
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