You can have lots of savings and you can choose the Jago Syariah feature that is suitable for saving according to your financial goals. Flexible but all according to sharia principles. What does that mean? Jagomin explains the details in this article, so read on.
Saving at Bank Jago Syariah, You Can Choose the Savings Features According to Your Needs
Of course, there are various financial goals that you want to achieve. Want to save for the next Eid al-Adha sacrifice? Do you want to go on a halal trip with your family at the end of the year or during your child's next school holiday? Want to buy concert tickets? These are all short-term financial goals.
Want to send your parents on Hajj and it will take several years to save the money? Want to start building your retirement funds? These could be long-term financial goals.
There may be many other dreams that you want to achieve in the future, such as saving to buy a house and preparing education savings for your child.
Whatever your financial goals, insyaAllah, everything can be achieved if you save consistently and choose savings features that suit your needs. What savings options according to sharia principles are available at Bank Jago Syariah?
1. Save money for short-term financial goals in Jago Syariah Saving Pockets
Anything that requires saving for several months or around 1 to 2 years can be categorized as a short-term financial goal.
For all short-term financial goals, the right choice of feature as a place to save is the Jago Syariah Saving Pocket. In the Jago application, you can create Saving Pockets for a number of short-term goals you want to achieve, maximum 20 Pockets.
When you have several savings, it will be easier to know your savings progress. You can immediately separate the money into each Saving Pocket according to your budget as soon as you receive your salary or whenever you want.
For those who prefer something practical and automatic, you can set a target in your Saving Pocket then use the Autosave feature so you don't skip or forget to save and you can definitely achieve your financial goals on time.
2. Save money for long-term financial goals and emergency funds in Sharia Deposits
You can save longer for several years or even more with the Sharia Deposit. By saving in a Sharia Deposit, you will save money for a certain period, which will definitely make your money safe from being used for shopping, buying snacks and other temptations.
The Sharia Deposit is also suitable for you to build emergency funds because it can be withdrawn early without penalty fees. The amount of profit sharing obtained will adjust if it is disbursed prematurely.
However, there is one important thing to remember, Jagoans. Early disbursement of your Sharia Deposit should only be specifically for an emergency or something unexpected. If you use the Sharia Deposit for a long-term financial goal, it is best not to withdraw it early. Why? So your financial goal can truly be achieved.
3. Increase your asset portfolio by investing in mutual funds in Bibit through Jago Syariah
For those who are interested in starting to invest money in mutual fund products, make sure you take advantage of the Jago Syariah and Bibit digital ecosystem.
Link your Jago Syariah and Bibit accounts so you can invest more seamlessly without switching applications. Top up Bibit investment from the Jago application free of charge and then monitor the progress of your investment directly from the Jago application.
Mutual fund investments in Bibit via Jago Syariah can also be automated and routine using the Jago Autodebit payment method.
Jago Syariah Savings Use Wadiah and Mudharabah Akads in Accordance with Sharia Principles
No need to worry, you can have peace of mind saving money at Jago Syariah because it complies with sharia principles.
Jago Syariah Saving Pockets are savings accounts with Wadiah Yad Dhamanah akad. As long as you save money in a Saving Pocket, you will not get interest, according to sharia principles.
For the Sharia Deposit, you will get profit sharing according to the agreement at the beginning because the feature uses Mudharabah Muthlaqah akad according to sharia principles.
Likewise, when investing in mutual funds at Bibit, you can choose from various existing sharia mutual fund products. Don't forget to activate the sharia preference in the Bibit application so that only sharia mutual funds are displayed.
So what are your next financial goals? Time to start saving. InsyaAllah, when there is a will there is a way. Enjoy saving with the Jago Syariah feature of your choice.
