Kartika Trianita had many wishes and she wanted to fulfill them all. Can you relate? Indeed, it was one of Kartika's biggest difficulties or challenges in managing her daily finances. But it happened before she started using Jago Syariah.
Saving More and Consistently with the Pocket
When she first found out about Jago Syariah, Kartika didn't think that its features would really help her in prioritizing what was important.
"I registered with Jago Syariah from Gojek. I have been using Jago Syariah for almost a year. I created a Jago Syariah account right from the beginning, not migrating from Jago."
After starting to explore Jago Syariah, Kartika fell in love with the Pocket feature, which uses the Wadiah Yad Dhamanah akad according to sharia principles.
“The Pocket feature in the Jago application is different from features in other financial applications. So it's really helpful in financial allocation (budgeting) and better financial plans. I like it because there are 2 types of Pockets, the Spending Pocket and Saving Pocket. Apart from that, I can create up to 40 of these Pockets, 20 respectively. And each Pocket has its own account number.”
Kartika's finances are now more organized because savings and expenses can be separated but can also be monitored simultaneously in 1 application.
“If I want something, I'll just create a Pocket first. It will remind me that there is a target to be achieved. I can set a target in each Saving Pocket, so I know when I will reach it and how much money will be allocated. In the past, before using Jago Syariah, I just spent money right away to fulfill my wishes, even though there were expenses that were far more important that I should have prioritized.”
Apart from the Pocket, Kartika also benefits from the Sharia Deposit feature, which uses Mudharabah Muthlaqah akad.
"For goals that will not be achieved in the near future, for example, still 1 year ahead, I put my money in the Sharia Deposit. This way, my money is safe from improper use and also, I can get profit sharing from saving money in the Sharia Deposit. And, I can create 20 Pockets too for the Sharia Deposit. So in total I can have 60 Pockets with Jago Syariah.”
Having savings at Jago Syariah also enables Kartika to save more money. This is because Kartika can enjoy free transfers between banks.
“It is also very important that I can transfer to another bank without paying any fees. Moreover, if my Account Level is higher, I get more transfer quota. I don't even need to think about quotas when making transfers."
Making Use of Jago Syariah’s Ecosystem
For Kartika, no less important is the digital ecosystem of Jago Syariah. Can be linked to the Gojek and Bibit applications, Jago Syariah, according to Kartika, has made her life easier.
“In the beginning, I rarely used Gojek. However, since the Jago Syariah Pocket can be linked to Gojek, it's much better. Now I use Gojek more often. I can also manage spending better because I can choose any Spending Pocket as a source of funds. Then, there are times when payments have to directly use the GoPay balance. I also take advantage of the Jago Syariah ecosystem. It's nice and more economical because GoPay top-ups from Jago Syariah are free and there's no quota limit. As for Bibit, I just started investing in mutual funds.”
Jagoans, do you want to be like Kartika who can now save more consistently and manage finances better? Jago Syariah can be downloaded here for those who don't have it yet.
