Deposits Saving Products


1.  Deposits Saving Sanama Wadiah

  • Using wadiah contract, is pure deposits which must be preserved and restored any time if the member (shahibul maal) willed. BMT is responsible for the return of deposits and doesn’t require a profit-sharing except in the form of bonuses (athaya) which is not promised. read more...

2.  Deposits Saving Sanama Mudharabah

  • Using mudharabah contract where members (shahibul maal) provides full discretion to BMT (mudharib) to manage the funds. This saves Mudharobah competitive profit-sharing in accordance with the agreed ratio. read more...

3.  Deposits Saving Sanama Mudharabah Planned

  • On term deposits saving which can be withdrawn only at a predetermined time based on the plan fund owner (shahibul maal) with a competitive profit-sharing in accordance with the ratio agreed in the beginning. read more...

4. On Term Deposits

  • Deposits form on term investment with very competitive profit-share that can be withdrawn only at certain times based on the agreement between the customer and the owner of the funds (shahibul maal) and BMT (mudharib) with profit sharing in accordance with the ratio agreed in early. read more...



“To become one of the largest Islamic co-operative in West Java with an asset size of 50 billion by 2016”



“To provide solution to the underserved market through comprehensive, sustainable and professional financial and non-financial services base on sharia principles”


  Key Success Factor

Solid, each person of employee always work together as a team that have skill and complete each other, committed to corporate mission to achieve the goals effectively and efficiently.

Productivity, each person of employee always work effective, discipline and appreciate the time to complete the task quickly and never give up to achieve the goals.

Integrity, each person of employee has the consistency and unwavering firmness in upholding the value of belief.

Reliable, each person of employee always reliable through a critical way of thinking, creative, independent, honest and promote competence and professionalism

Improvement, each person of employee always make improvement and development for better product, services and processes continuously to seek and obtain better result.

Trust, always build a harmonious relationship in a conducive environment, inspiring, and mutually develop to build a solid team. Produce creative and innovative work, upholding integrity and reliable.



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