Bank Muamalat Gold Financing Surges, Customer Base Grows 274%

Bank Muamalat is emphasizing sustainable growth by focusing on its retail consumer and small-medium enterprise (SME) segments, which have proven more resilient during challenging national economic conditions. The bank's flagship consumer product, 'Solusi Emas Hijrah' gold financing, saw a remarkable surge, increasing more than 11 times year-on-year to reach Rp 1.7 trillion by the end of March 2026. The number of customer accounts for this product also jumped by 274 percent year-on-year.

Imam Teguh Saptono, President Director of Bank Muamalat, highlighted the crucial role of SMEs in supporting national economic stability, noting their good risk management and distribution. As of March 2026, outstanding SME financing reached Rp 3.1 trillion, a 33 percent increase from the previous year. This growth is being driven by initiatives like the Synergy Roadshow 2026, a collaborative event with BPKH aimed at evaluating business performance and identifying growth opportunities across six major cities.

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SME is a very prospective sector to develop because it has a crucial role as a supporter of national economic stability. This sector also has good management or risk distribution.

The bank is actively fostering collaboration with BPKH, recognizing the significant economic and social impact of the Hajj and Umrah ecosystem. This synergy aims to provide sustainable benefits to all stakeholders. One notable collaboration is the launch of the 'Kartu Haji Indonesia' (Indonesia Hajj Card), which replaces cash transactions, enhancing convenience for pilgrims and supporting the digitalization of Hajj and Umrah services.

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We want every service, product, and added value that we can provide to be a path of migration for stakeholders towards blessings. Where its benefits can be sustainable and felt by all elements wherever they are.