Sanama Hiwalah Financing


Diversion member’s receivable to BMT Sanama. Where the member's receivable paid in advance by BMT Sanama then BMT Sanama bill the receivable billed to the debtor who owes to member’s

  • Jaminan :
    • SPK dari Bowher/pemesan
    • Cek/Giro
    • BPKB mobil/motor
    • Sertifikat/AJB tanah dan bangunan

Financing Requirements :

  • Fill out a request form
  • Husband/ wife ID Card
  • Electricity and telephone bills
  • Proof of property tax (PBB)

Warranty :

  • SPK from buyer
  • Fiducia / fastening goods < IDR 2.000.000,00
  • Book vehicle owners (BPKB) car / motorcycle
  • Certificate / AJB land and buildings
Read more (click here)



“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.



Copyright © 2018 BMT Sanama · All Rights Reserved
powered by sitekno