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BCA Syariah Offers Gold Murabahah Financing at BCA Expoversary 2024
Jakarta, March 2, 2024 - To enliven BCA's 67th anniversary, PT Bank BCA Syariah (BCA Syariah) participated in BCA Expoversary 2024 at ICE BSD, Tangerang on March 2, 2024, offering Sharia banking solutions for BCA customers and the public through a variety of consumer financing solutions such as iB Gold financing, iB Home Loans, and iB Vehicle Ownership Loans.
During a media discussion session at the BCA Expoversary mini studio, Head of Retail and Consumer Business Unit at BCA Syariah, Bukit Mas Siahaan, provided education to the media about BCA Syariah's consumer financing products and the importance of starting gold or precious metal investments as an alternative long-term investment instrument with high liquidity.
Addressing the public's need for safe investment products amid economic uncertainties, BCA Syariah offers iB Gold financing products. iB Gold is a financing product from BCA Syariah for ownership of precious metals (gold) through a buy-and-sell/murabahah contract. The advantages of iB Gold investment financing include safety, as the financed gold is pure Antam metal securely stored at BCA Syariah until the end of the financing period; fixed installments adjustable to financial capabilities; and an easy financing application process with same-day approval.
In the education provided, Bukit Mas Siahaan explained the difference between gold financing schemes and gold savings. He highlighted that in a financing scheme, gold is purchased in a fixed quantity, price, and duration agreed upon from the beginning of financing until maturity. On the other hand, gold savings adjust the amount of gold owned to the deposited balance, with the gold value following market prices potentially leading to uncertain budget allocation for owning precious metal.
Through the financing scheme, owning gold becomes easier and safer. Customers can adjust the desired amount of gold, free from worries about future gold price increases due to fixed installments until the end of the financing period. Bukit added, "Gold financing instills saving discipline and can be a financial planning solution for the younger generation."
At this BCA Expoversary, BCA Syariah offers convenient solutions for Antam precious metal ownership starting from 10 grams with installments beginning at Rp200,000, with financing periods ranging from 1 to 5 years. BCA Syariah also presents a 10% down payment promo and same-day approval for financing approval certainty.
The increasing interest in investing through iB Gold financing is evident in the portfolio's nominal growth of 27.8% annually at the end of December 2023. In terms of account numbers, iB Gold financing is quite popular with significant growth of 53.5% annually, reaching 3,781 accounts as of December 2023.
Customers of gold financing at BCA Syariah are predominantly in the 25-50 age range, showing that iB Gold financing is favored by customers starting from a relatively young age of 25. This aligns with the advantages of iB Gold financing itself, requiring a relatively affordable initial commitment because gold can be purchased starting from a 10-gram piece, with light installments and low risks, making it suitable for young generations learning to invest.
Furthermore, at BCA Expoversary 2024, BCA Syariah once again offers financing solutions for home and vehicle ownership with attractive margin options. BCA Syariah provides installment certainty up to 15 years for home financing through iB Home Loans with equivalent margins starting from 3.67% effective per year.
BCA Syariah's iB Home Loans also feature options to meet consumptive financing needs with residential or shop house collateral through iB Home Refinancing. Additionally, there is an option of iB Take Over Home Loans as a solution for ease in transferring home financing from any bank to BCA Syariah.
For vehicle ownership financing solutions, BCA Syariah offers iB Vehicle Ownership Loans. iB Vehicle Ownership Loans from BCA Syariah provide fixed installments with a long term of up to 8 years with margins starting from 3.13%.
Specifically for prospective customers who are employees, BCA Syariah provides ease through a one-day approval system to obtain approval certainty for their dream home and vehicle financing without a long waiting period.
About PT Bank BCA Syariah
PT Bank BCA Syariah (BCA Syariah) is a subsidiary of PT Bank Central Asia Tbk, which began operating as a Sharia Commercial Bank on April 5, 2010. As of December 2023, BCA Syariah's total assets reached Rp 14.47 trillion, growing by 14% compared to the same period the previous year (YoY). BCA Syariah's financing disbursement amounted to Rp 9.01 trillion, growing by 19% YoY. Third-party funds (DPK) reached Rp 10.95 trillion, increasing by 15% YoY. BCA Syariah now has 76 branch networks spread across the Jabodetabek, Surabaya, Semarang, Bandung, Solo, Yogyakarta, Bandar Lampung, Medan, Palembang, Banda Aceh, Panakukkang, Malang, Kediri, Pasuruan, and Banyuwangi regions.
PT BANK BCA SYARIAH
Department of Economic, Social & Environmental Sustainability Management, Corporate Communication, and Secretary
Address : Jl. Jatinegara Timur no. 72 Jakarta Timur 13310
Phone : (021) 850-5030 ext 1215/1216
Email : bcas_humas@bcasyariah.co.id
Website : www.bcasyariah.co.id
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