Tabungan Rencana Haji iB

Product Information

Tabungan Rencana Haji iB is a savings plan using Indonesian rupiah (IDR) and based on the Sharia principle of profit sharing (Mudharabah). This product is specifically designed to help you realise your sincere desire to perform the Hajj pilgrimage. Funds will be debited monthly through an auto-debit process from your source account (in IDR) with the deposit amount and term of your choice.

Contract

Mudharabah (Profit Sharing)

Type of Product

Saving Plan

Benefits

  1. EASY: Regular monthly deposits are automatically debited from the source account to the iB Hajj Savings Account. 
  2. FREE: You can determine the savings period and the amount of regular monthly deposits yourself.  
  3. CONVENIENT: Customers will receive a notification when they have sufficient funds to register for the Hajj.

Features

Product Features
Product Name Tabungan Rencana Haji iB
Type of Product Savings Plan
Contract Profit Sharing (Mudharabah)
Customers Criteria Individuals (Indonesian Nationals) who are Muslim
Currency Rupiah (IDR)
Initial Deposit IDR 100,000.-
Monthly Routine Deposit A minimum of IDR 300,000.- and a maximum of IDR 5,000,000.-
Savings Period 6 – 72 months
Failure to Debit Six (6) consecutive automatic account closures
Others
Reporting Media Statement or e-statement
ATM Card Not given
Monthly Routine Deposit Top Up Cannot be done
Irregular deposits Irregular deposits are additional deposits made from time to time to the TRH iB account. These deposits are made without changing the customer's regular monthly deposits in the system. The system will add the customer's balance in accordance with these irregular deposits.

Customers may make non-recurring deposits by conducting transactions at a branch, and the teller will process the credit to the TRH iB account. Customers who make non-recurring deposits are required to close their account at the branch after the savings period has ended.
Maturity date
  1. When the savings mature, all funds will be credited to the source account. The maturity date is one month after the last scheduled/monthly deposit date. The account will be automatically closed by the system.
  2. If a debit fails, the funds will be debited (full amount) on the following month's date until the funds are available in the source account, and if they have been entered into the next debit, the funds will be accumulated for two (2) regular debits.
Basic facilities
  1. Customers may open more than one account.
  2. No debit card facility for TRH iB accounts.
General Terms and Conditions The process of opening, maintaining and closing savings accounts follows the applicable procedures.

Risk

  • Product features and fees are subject to change at any time in accordance with the policies established by the Bank and will be communicated through media deemed appropriate by the Bank.
  • Any costs incurred due to customer negligence will be borne by the customer.
  • Other risks associated with this product and other Bank products can be found in the General Terms and Conditions for Accounts and Banking Services
FEES
Initial Deposit Fee IDR 100,000.-
Administration Fee None
Monthly Auto-Debit Fee None
Account Closing Fee Customers will be charged an administration fee for closing their account before the savings period ends.
Insurance Benefits None

Simulation

TRH iB Profit Sharing Calculation
The formula for calculating profit sharing based on the average balance for the current month is: 

                               Average Account Balance
Profit Sharing =   --------------------------------------------- x Revenue Allocation x Ratio
                               Average Product Balance

Therefore, the profit sharing is explained as follows:
  • Average balance of TRH iB account: 6,000,000
  • Average balance of TRH iB products: 700,000,000
  • Income allocation: 60,000,000
  • Profit sharing ratio: 2.5%

Profit Sharing (Gross):

 6,000,000   x   60,000,000   x 2.5%   =   IDR 12,857,17 / month
700,000,000

Requirements and Procedures

  1. The customer completes and signs the Customer Data and Account Opening Form
  2. The customer completes the required documents, including:
    • A photocopy of a valid identity card (E-KTP / SIM / Passport)
    • A photocopy of your Taxpayer Identification Number (NPWP)
    • Other documents as required by the Bank

Important Notes

  1. The Bank may reject a customer's application for products and services if they do not meet the applicable requirements and regulations.
  2. Customers must carefully read this Product and Service Information Summary and have the right to ask Bank employees about all matters related to this Product and Service Information Summary.

Additional Information:

Further information regarding costs, benefits and risks can be accessed via the Bank's official website at https://www.danamon.co.id
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