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Connected with SISKOHAT (Integrated Hajj Communication System)
Easy Registration with downloadable forms through OCBC website
Saving is more convenient without the cost
Sharia Branches
Registration at nearest Sharia branches
Wadiah Bonus
With a wadiah contract it is possible to have a bonus for customers
Make your dreams come true for Hajj with your family with Tabungan Haji iB specifically for employees OCBC. There’s a Hajj registration discount up to IDR 400,000 for you and family members who are registered in one family card
OCBC Syariah iB Hajj Savings is a savings account intended for preparation or an intermediary account for obtaining the Hajj Portion.
In this account, customers can deposit funds to save for preparation for Hajj registration or planning for Hajj payments, but cannot withdraw funds unless the iB Hajj Savings is closed due to a cancellation from the customer.
| Haji Saving Account iB Features | |
|---|---|
| Intial Deposit | IDR 100 thousand and IDR 25.1 million for the Hajj portion |
| Administration Fee | No Fees |
| Mutation | Saving book |
| e-Channel | OCBC Mobile/OCBC (for checking balances), ATM cards are not provided |
Tabungan Haji
Written agreement between the Bank and other parties that contains the rights and obligations of each party in accordance with Sharia Principles.
The principles of Islamic law in banking activities are based on fatwas issued by institutions that have the authority to determine fatwas in the field of sharia.
The distribution of profit of Bank Syariah to the Deposit Customers is based on the agreed ratio every month. Revenue sharing depends on the amount and duration of deposits and bank income for the period. The amount of profit sharing is calculated based on bank revenue so that the customer must obtain profit sharing and not lose the principal savings.
The board is tasked with giving advice and advice to the Directors and overseeing the activities of the Sharia Business Unit to be in accordance with Sharia Principles.
Transaction of fund investment from the owner of the fund (shahibul mal) to the fund manager (mudharib) to carry out certain business activities in accordance with Sharia Principles, with the distribution of results of business between the two parties based on a mutually agreed ratio.
Funds or goods deposit transaction from the owner to the depositor of funds with an obligation for the depositing party to return the funds or goods deposited at any time or in accordance with the agreement.
Buying and selling transactions of goods at the acquisition price plus the margin agreed upon by the parties, where the seller informs the buyer in advance of the acquisition price.
Agreement of representation between one party to another. Wakalah is usually applied for making Letter of Credit, for purchasing goods abroad (L/C Import) or forwarding requests
Collaboration between two or more parties having funds and/or goods to carry out certain businesses in accordance with Sharia Principles by sharing the results of operations in accordance with the amount of capital ownership of each party or based on a mutually agreed ratio.
Collaboration between two or more owners of funds and/or goods to carry out certain businesses in accordance with Sharia Principles with the distribution of operating results in accordance with the amount of capital ownership of each party or based on a mutually agreed ratio, then one party gradually buys the other party's capital ownership, so that at the end of the cooperation period one party has the entire capital (100%).
The amount of profit agreed between the Bank and the Customer for financing transactions with a sale and purchase agreement (murabahah). Financing margins are fixed (fixed) unchanged throughout the term of the financing.
Share of profit sharing between the Bank and the Customer of funding and financing transactions with profit sharing agreements (mudharabah and musyarakah).
Lease transactions of goods and/or services between the owner of the object for lease, including ownership of the right to use the object for rent and the lessee to get compensation for the leased object.
Borrowing transactions without compensation for the obligations of borrowing party to repay the loan principal in one lump sum or installments within a certain period.
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