For Muslims, saving, investing and managing expenses according to sharia principles will bring financial bliss. Alhamdulillah, together with Jago Syariah, you can make it happen.
2 Akads in 60 Jago Syariah Pockets (60 Accounts), All in 1 Application
1. Akad Wadiah Yad Dhamanah without interest in the Saving Pocket and Spending Pocket
You can enjoy financial bliss by saving money in the Saving Pocket. Managing money for daily needs such as shopping, buying meals and transportation as well as for monthly needs such as paying electricity and internet bills is also more blissful with the Spending Pocket.
Both the Saving Pocket and Spending Pocket use Wadiah Yad Dhamanah akad. In accordance with sharia principles, the akad does not provide interest.
Besides being more blissful, you can more practically separate savings and expenses. It is because you can create up to 20 Saving Pockets and 20 Spending Pockets. Because each Pocket has its own account number, it's possible for you to have 40 accounts which can all be monitored in 1 application, of course only in the Jago application.
To summarize, you can pay bills directly from the Bills Pocket, check out the shopping cart using the money in the Shopping Pocket, and complete payments for various needs from their respective Pockets.
It's the same for savings. You can separate your healing savings and new gadget savings into 2 different Saving Pockets, and so on, depending on the dreams and financial goals you want to achieve.
2. Mudharabah Muthlaqah akad with profit sharing ratio for investments in the Sharia Deposit
Those of you who want to invest for long term goals or prepare finances for the future can choose to save in the Sharia Deposit.
Unlike the Saving and Spending Pockets, the Sharia Deposit uses Mudharabah Muthlaqah akad. Therefore, when you save in the Sharia Deposit, you will get profit sharing. The profit sharing ratio for the Sharia Deposit is competitive.
The profit sharing ratio that you can get is based on the profit sharing percentage, the length of time the money is saved and the amount of money you invest.
Not only for the purpose of investing and planning future finances, the Sharia Deposit is the right choice for you to save your emergency funds. Apart from securing emergency funds from being used for other needs such as shopping and vacations, the Sharia Deposit is free of penalty fees when you withdraw it prematurely. And, you still get a proportionate profit sharing. So whenever you really need your emergency funds, just withdraw your Sharia Deposit without worrying about fines.
You can have a total of 20 Sharia Deposits by creating a Pocket for each Sharia Deposit. If you add it up with the total number of Saving and Spending Pockets that can be created, then you can have 60 Jago Syariah Pockets (60 accounts) in 1 application. All of these with no monthly fees. So, besides being more practical because your accounts don't scatter here and there, you can save more money.
The Jago Syariah Pockets are also in accordance with the DSN MUI fatwa. Alhamdulillah, you can save, invest and manage money with peace of mind, more blisfully and more amanah.
