Rekening Tabungan Jemaah Haji

Simulation Results
Investment Goals	Future Investment
Komparasi Jenis Aset Konvensional :	Time Deposit
Komparasi Jenis Aset Investasi :	Small Mid Cap Equity Funds
Nominal Investasi Awal	0,00
Nominal Investasi Bulanan	0,00

Time Deposit	Small Mid Cap Equity Funds
Total Savings + Return 71.228.531,00	Total Savings + Return 78.729.940,72
Total Savings 70.000.000,00	Total Savings 70.000.000,00
Total Return 1.228.531,00	Total Return 8.729.940,72
Nilai Pertumbuhan % 1,76%	Nilai Pertumbuhan % 12,47%
Jangka Waktu Investasi 20 Tahunan	Jangka Waktu Investasi 20 Tahunan

Simulation
Property Prices	0,00
Down Payment	0,00
Investment Period	1 Year
Annual Interest Rate (%)	0%
Loan Amount	0,00
Monthly Installment	0,00

Simulation Results:
Your Loan Amount	0,00
Loan Period	1 Month
Monthly Interest Rate (%)	0%
Total Monthly Installment	0,00

Simulation Table
Type of Loan	Simple Working Capital
Type of Business	Service
Monthly Sales	0
Total Loans from Other Banks	0
Kebutuhan Modal Kerja	0
Total limit yang dapat diberikan	0

Simulation Table
Type of Loan	Complete Working Capital
Average monthly sales	0
Cost of goods sold	0
Siklus Modal Kerja	0
Piutang	0
Inventori	0
Hutang Dagang	0
Kebutuhan Modal Kerja	0

Product Information

Benefits

Features

Fees

Risk

Simulation

Requirements and Procedures

Regular Hajj Registration Process

Hajj Waiting Period

Important Notes

Product Information

Rekening Tabungan Jemaah Haji (RTJH)

Rekening Tabungan Jemaah Haji (RTJH) makes it easy for customers to register for the Hajj pilgrimage by paying an initial deposit for the Hajj Pilgrimage Travel Costs (Bipih – Biaya Perjalanan Ibadah Haji), which is directly connected to the Sistem Komputerisasi Haji Terpadu (SISKOHAT) of the Indonesian Ministry of Religious Affairs.

Contract

Deposit (Wadiah)

Benefits

Benefits for Customers Who Open an RTJH Account:

PORTION NUMBER, certainty of obtaining a Hajj portion number because it is connected host-to-host with the SISKOHAT of the Indonesian Ministry of Religious Affairs.
EASY, ease of registering for Hajj at all nearby Bank Danamon branches with the iB logo.
NO FEES for ATM transaction through the Mastercard electronic network in Saudi Arabia.

Features

Fitur Produk Rekening Tabungan Jemaah Haji (RTJH)

Rekening Tabungan Jemaah Haji (RTJH) Product Features
Product Name	Rekening Tabungan Jemaah Haji (RTJH)
Product Type	Regular Hajj Savings
Program Type	Opening a Hajj Savings Account is one of the requirements for registering for the Hajj pilgrimage as stipulated by the Badan Pengelola Keuangan Haji (BPKH).
Contract	Wadiah
Currency	IDR
Minimum Initial Deposit	25,000,000
Customer Criteria	Individual customers who are Muslim
ATM	Special Danamon Card for Hajj Pilgrim
Reporting Media	Savings Book / Statement

Fees

Fee
Initial Deposit Fee	Free of Charge
Monthly Administration Fee	Free of Charge
Account Closing Fee	Free of Charge

Risk

Product features and fees are subject to change at any time in accordance with the policies set by Bank Danamon and will be communicated through Bank Danamon's official communication channels.
Any costs incurred due to customer negligence will be borne by the customer.
Other risks associated with this product and Bank Danamon products can be found in the General Terms and Conditions for Accounts and Banking Services

Simulation

Average Balance Calculation	Nominal
Customer Fund Account Balance : - On the 21st = IDR 22,000,000 - From the 22nd -30th = IDR 22,004,821 Average Balance : (1xRp22.000.000)+(9xRp22.004.821) 10	Rp22.004.339
Customer Balance Below Minimum Balance Account Balance : - From the 1st - 4th = IDR 250,000 - From the 5th - 10th = IDR 100,000 - On the 11th = IDR 1,000,000 - On the 12th -19th = IDR 200,000 - On the 20th - 23rd = IDR 150,000 - On the 24th - 31st = IDR 50,000 Average Balance : (4xRp250.000)+(6xRp100.000)+(1xRp1.000.000)+(8xRp200.000)+(4xRp150.000)+(8xRp50.000) 31	Rp167.742

Average Balance Calculation

Nominal

Customer Fund

Account Balance :

- On the 21st = IDR 22,000,000

- From the 22nd -30th = IDR 22,004,821

Average Balance :

(1xRp22.000.000)+(9xRp22.004.821)

Rp22.004.339

Customer Balance Below Minimum Balance

Account Balance :

- From the 1st - 4th = IDR 250,000

- From the 5th - 10th = IDR 100,000

- On the 11th = IDR 1,000,000

- On the 12th -19th = IDR 200,000

- On the 20th - 23rd = IDR 150,000

- On the 24th - 31st = IDR 50,000

Average Balance :

(4xRp250.000)+(6xRp100.000)+(1xRp1.000.000)+(8xRp200.000)+(4xRp150.000)+(8xRp50.000)

Rp167.742

Requirements and Procedures

Indonesian Nationals

Muslim
Minimum age of 12 years
Valid original identity card
Present original family card/birth certificate and a copy
Fill out the Wakalah Agreement Form
Open a Hajj savings account (RTJH)

Regular Hajj Registration Process

Prospective Hajj pilgrims come to the nearest Danamon Bank branch with the iB logo.
- Prospective Hajj pilgrims open Rekening Tabungan Jemaah Haji (RTJH)
- Make Hajj Pilgrimage Travel Costs (Bipih – Biaya Perjalanan Ibadah Haji) of IDR 25,000,000
- Receive proof of Biaya Perjalanan Ibadah Haji (Bipih receipt)
Prospective Hajj pilgrims come to the Ministry of Religious Affairs office according to their domicile as stated on their identity card.
- Bring proof of Bipih deposit and other requirements in accordance with the provisions of the Indonesian Ministry of Religious Affairs
- Fill out the Hajj Registration Form at the Ministry of Religious Affairs Office
- Obtain a quota number
Prospective Hajj Pilgrims through the Haji Pinter/Satu Haji application (Ministry of Religious Affairs)
- Download the Haji Pintar/Satu Haji application from the Play Store/App Store.
- Upload all documents required to register for the hajj in the Indonesian Ministry of Religious Affairs application.
- Obtain a Hajj Portion number.
Prospective pilgrims await payment and departure for Hajj

Hajj Waiting Period

With the waiting period for Hajj becoming longer, reaching tens of years, Danamon Syariah encourages those who are financially capable to immediately realise their intention to perform Hajj and register for Hajj now, or for customers who have already registered for Hajj to prepare for the payment of Hajj through the Hajj Savings Plan (TRH iB). For parents, they can start planning their children's Hajj pilgrimage from an early age. Hajj registration can begin at the age of 12, and Hajj planning can start as early as 6 years old.

Average waiting time for Indonesia’s Hajj Pilgrims

Important Notes

Bank Danamon may reject applications for products and services from customers who do not meet the applicable requirements and regulations.
Customers must carefully read this Product and Service Information Summary and have the right to ask Bank Danamon employees about anything related to this Product and Service Information Summary.

CUSTOMER COMPLAINT INFORMATION:

Information regarding customer complaints can be accessed through Bank Danamon's official website at https://www.danamon.co.id

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Rekening Tabungan Jemaah Haji