Giro iB Mudharabah

Savings with profit sharing system that can be withdrawn using a check or giro

Low Initial Deposit

Initial deposit for individual Rp1juta & Non Individual Rp2 Juta

Complete Facilities

Savings and transaction are more convenient


Easier transactions with Velocity

Other Advantages


Managed according to Sharia

Managed based on sharia principles and profit sharing system (ratio)



Guaranteed by the Government through LPS


Easy Access Transaction Info

Transactions easily via Internet & Mobile Banking, SMS and Email

    Terms & Conditions

    Benefit & Biaya


    Other Informations

    Product Information Summary

Terms of Opening iB Mudharabah Giro

  • Customer 17 years old or married (for individuals)
  • Have a KTP and NPWP card

Individual Customer:

  • KTP / SIM / Passport / KIMS / KITAS / KITAP
  • NPWP

Company Customers:

  • NPWP / Reference / SK Minister of Cooperatives (for cooperatives)
  • Deed of Establishment, Deed of Amendment (if any)
  • SK Menkumham (PT, Foundation, PMA), Domicile Decree / SITU,
  • SIUP, TDP (TDY for Foundations), Covernote Notary
  • District Court Registration (for CV and Firm)
  • BKPM Approval Letter (for PMA)
  • Permit from the competent authority (for the Foundation)
- Monthly Administration of IDR 25 thousand
- Close Account IDR 50 thousand
- Check Book / Giro IDR 100 thousand
1. Check Book / Bilyet Giro
2. Internet banking / mobile banking
3. Velocity
Call OCBC NISP: 1500-999
Giro Mudharabah
Giro Mudharabah

Giro Mudharabah

Giro Wadiah
Giro Wadiah

Giro Wadiah

Story for Inspiration



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Investment, Announcement

Lonjakan inflasi AS tertinggi dalam 40 tahun!

Savings with Sharia principles are managed based on the Wadiah contract


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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