Not possible to save every month because all the money is spent on shopping. Nur Annisa experienced it before using Jago Syariah. Now, the woman who is often called Annisa is more financially organized. In fact, some of the money has been saved for her child's education. How come?
The Jago Syariah Pocket Helps Annisa in Doing Budget Allocation Properly
Before using Jago Syariah to manage finances, Annisa, a mother who has 1 child had an account at another bank. However, because there is only 1 account, Annisa has difficulty separating money for savings and money for shopping and various other expenses.
"I remember the old days before getting to know Jago Syariah, at the end of each month I had no money left, I had no idea where it went. I was aware that I shopped a lot, but I didn't realize that I spent so much that all the money in my account ran out," said Annisa while sharing her experience.
Luckily, Annisa signed up for Jago because she was interested in the GoPay x Jago promo. This is where Annisa got to know the Pocket feature.
"When I found out that Jago offered the option to open a Jago Syariah account, I migrated. Alhamdulillah, managing finances is now more comfortable because Jago Syariah uses the Wadiah Yad Dhamanah akad for its Pockets and the Mudharabah Muthlaqah akad for its Sharia Deposit, according to sharia principles."
Jago Syariah was also chosen by Annisa because she felt more comfortable using it.
“Initially I used Jago, but after learning from the community that there was Jago Syariah, I decided to migrate. Alhamdulillah, I am more comfortable managing my finances according to sharia principles because Jago Syariah uses the Wadiah Yad Dhamanah akad for its Pockets and the Mudharabah Muthlaqah akad for its Sharia Deposit."
Apart from starting my child's education funds in the Saving Pocket, Annisa has made use of the Sharia Deposit feature at Jago Syariah to secure the education funds from improper use.
"I saved some of my children's education funds in the Sharia Deposit. I can choose how long I want to save my money there, so it's definitely safe from being used for shopping. Apart from that, saving in the Sharia Deposit is nice because I can start from Rp1,000,000, not in large amounts right away.”
Enjoying Various Other Benefits of Using Jago Syariah
Not only is it easy and practical to allocate a budget to manage finances better, Annisa also feels various other benefits from using Jago Syariah.
"At Jago Syariah, e-Wallet top-ups are free. I can save on top-up fees. This is a great benefit, especially for people who shop frequently like me and need to top up their e-Wallets all the time. Moreover, I also don't have to pay monthly admin fees.”
The Jago Syariah digital ecosystem is also utilized by Annisa, especially since her Gojek account can be linked to her Jago Syariah account.
"I haven't used Bibit even though I can link it with Jago Syariah because I still want to learn more about about investing, including investing in mutual funds. But when it comes to GoPay, I often use it. Since linking it with Jago Syariah, I can use the Jago Syariah Pocket as a substitute for my GoPay balance. When I do need to top up GoPay, all I have to do is transfer the money to the GoPay Pocket in the Jago application and of course it's free of charge."
Jagoans, do you want to be like Annisa who has managed to do budget allocation properly, manage finances better and reduce spending on shopping?
Jago Syariah can be downloaded here for those who don't have it yet.
