Lahir di Jakarta, 27 November 1969. Memperoleh gelar MBA dalam bidang keuangan dan perbankan internasional dari The Birmingham Business School, The University of Birmingham, UK (2004) dan MA dalam bidang ekonomi dari The New York University, USA (1998). Beliau memulai pengalaman internasionalnya sebagai Graduate Intern di High Commissioner for Human Rights, Centre for Human Rights (HCHR/CHR) di United Nations Headquarters, New York, USA (1997). Setelah itu memulai kiprah keuangan Islamnya di Islamic Development Bank (IDB) selama delapan tahun dengan memulai karir sebagai Young Professional Programme. Selanjutnya beliau ditugaskan sebagai Trade Finance Officer yang menangani wilayah Bangladesh dan Indonesia (2000-2003), sebagai Senior Trade Finance Officer, yang menangani wilayah Indonesia, Iran, Maldives, Kazakhstan dan Tajikistan (2004-2006) dan sebagai Head of Market Research & Monitoring Section (2007). Selama masa tugasnya di IDB, beliau diantaranya pernah terlibat sebagai sekretaris Task Force untuk mengkaji “The Feasibility of Using Gold Dinar as means of settlement for trade among OIC member countries” dan juga koordinator bidang perdagangan dan investasi di dalam Task Force untuk merumuskan “The 2020 vision of IDB and the Ummah”. Pada tahun 2007-2009 beliau menjabat sebagai Direktur PT AL Ijarah Indonesia Finance yang didirikan bersama oleh Bank Muamalat Indonesia, Boubyan Bank Kuwait & International Leasing & Investment Company Kuwait sebelum akhirnya bergabung sebagai Treasury and International Banking Director Bank Muamalat Indonesia. Dalam perjalanan karirnya, beliau aktif mengikuti training dan seminar di dalam dan luar negeri, baik sebagai peserta, moderator ataupun pembicara, diantaranya adalah di dalam Euromoney Financial Training Programme (1998-2007), Middle East Syndicated Financing (Dubai, 2007), Islamic Finance Road Show (Jakarta, 2009) dan Financial Industry Conference (Kuala Lumpur, 2009)
Born in Jakarta, 27 November 1969. Obtained a MBA degree in finance and international banking from The Birmingham Business School, The University of Birmingham, UK (2004) and MA in economic from The New York University, USA (1998). He started his international experience as a Graduate Intern at High Commissioner for Human Rights, Centre for Human Rights (HCHR/CHR) at United Nations Headquarters, New York, USA (1997). after that, began his Islamic finance experience in Islamic Development Bank (IDB) for eight years which starting as Young Professional Programme. He appointed as a Trade Finance Officer for Bangladesh and Indonesia region (2000-2003), as a Senior Trade Finance Officer, for Indonesia, Iran, Maldives, Kazakhstan and Tajikistan region (2004- 2006) and appointed as Head of Market Research & Monitoring Section (2007). As long as he worked in IDB, he became as a Task Force secretary to reseaching “The Feasibility of Using Gold Dinar as means of settlement for trade among OIC member countries” and also coordinator for the trade and investment in Task Force to formulates “The 2020 vision of IDB and the Ummah”. In the year 2007-2009, he appointed as a Director of PT AL Ijarah Indonesia Finance which founded by the cooperation of Bank Muamalat Indonesia, Boubyan Bank Kuwait & International Leasing & Investment Company Kuwait and then joined with Treasury and International Banking Director Bank Muamalat Indonesia. In his career, he was actively attend some trainings and seminars both local and internationally, as a member, moderator or a speak person, such as in Euromoney Financial Training Programme (1998-2007), Middle East Syndicated Financing (Dubai, 2007), Islamic Finance Road Show (Jakarta, 2009) and Financial Industry Conference (Kuala Lumpur, 2009).
Direktur Director
Lahir di Jakarta, 3 Januari 1976. Memperoleh gelar MBA dalam bidang Finance dari Rotterdam School of Management Erasmus Graduate School of Business, Netherlands (2003), setelah sebelumnya memperoleh gelar Sarjana Ekonomi dari Universitas Indonesia (1999). Merintis karir perbankan di Citigroup sebagai Management Associate, Corporate Banking, Local Corporate Group (1999-2001). Selanjutnya beliau bergabung sebagai Cash Management Product Manager (2001-2002) dan Assistant Director, Financial Institution Relationship Standard Chartered Bank, Jakarta (2004-2006). Pada tahun 2006 memperoleh International Assignment sebagai Associate Director, Islamic Products, Standard Chartered Saadiq, Dubai, UAE. Setelah menjabat sebagai Head of Syariah Banking, PT Permata Bank Tbk pada Juli 2009 beliau bergabung bersama Bank Muamalat Indonesia sebagai Retail Banking Director. Beliau telah berpartisipasi dalam berbagai training, lokakarya dan symposium di tingkat nasional dan internasional diantaranya dalam Global Forum, Islamic Financial Market (Jakarta, 2008), Islamic Sukuk, Bringing Into Markets (Singapore, 2008), Islamic Finance, Structured Products (Dubai, 2007), Derivates Academy (Abu Dhabi, 2007) Oxford Leadership Program (UK, 2007) dan Corporate Finance Structuring Workshop (Hong Kong, 2006).
Born in Jakarta, 3 January 1976. Obtained his MBA degree in Finance from Rotterdam School of Management Erasmus Graduate School of Business, Netherlands (2003), previously obtained his bachelor degree in Economic from Universitas Indonesia (1999). Begans his banking career in Citigroup as a Management Associate, Corporate Banking, Local Corporate Group (1999-2001). After that, he joined as a Cash Management Product Manager (2001-2002) and Assistant Director, Financial Institution Relationship Standard Chartered Bank, Jakarta (2004-2006). In 2006 achieved an International Assignment as an Associate Director, Islamic Products, Standard Chartered Saadiq, Dubai, UAE. After appointing as a Head of Syariah Banking, PT Permata Bank Tbk in July 2009 he joined Bank Muamalat Indonesia as a Retail Banking Director. He was participated in various training, lokakarya and symposium in national and international region, such as Global Forum, Islamic Financial Market (Jakarta, 2008), Islamic Sukuk, Bringing Into Markets (Singapore, 2008), Islamic Finance, Structured Products (Dubai, 2007), Derivates Academy (Abu Dhabi, 2007) Oxford Leadership Program (UK, 2007) and Corporate Finance Structuring Workshop (Hong Kong, 2006).
PRODUK PENGHIMPUNAN DANA
Shar-e
Shar-e adalah tabungan instan Investasi syariah yang memadukan kemudahan akses ATM, Debit dan Phone Banking dalam satu kartu dan dapat dibeli di kantor layanan Bank Muamalat juga di Kantor Pos Online di seluruh Indonesia. Hanya dengan Rp. 125.000, langsung dapat diperoleh satu paket kartu Shar-e dengan saldo awal tabungan Rp. 100.000. Shar-e adalah sarana menabung dan berinvestasi di Bank Muamalat dan diinvestasikan hanya untuk usaha halal dengan bagi hasil kompetitif.
Shar-e memiliki fasilitas Tarik Tunai bebas biaya di seluruh jaringan ATM BCA/PRIMA dan ATM Bersama, akses di seluruh merchant Debit BCA/PRIMA dan fasilitas SalaMuamalat (Phone banking 24 jam untuk layanan otomatis cek saldo, informasi history transaksi, transfer antar rekening sampai dengan Rp 50 juta dan berbagai fitur pembayaran). Shar-e juga sudah terhubung dengan jaringan ATM Malaysia yang tergabung dalam MEPS (Malaysian Electronic Payment System) : Maybank, Hong Leong Bank, Affin Bank dan Southern Bank.
Shar-e memiliki beberapa pengembangan produk bekerja sama dengan perusahaan-perusahaan asuransi di Indonesia, yaitu :
• Shar-efulPROTEK,berkerjasamadengan PT Asuransi Takaful Keluarga
• Shar-eShariaMegaCovers,bekerjasamadengan PT Asuransi Jiwa Mega Life
• Shar-eTaawunCard,bekerjasamadengan PT Asuransi Bintang
• Shar-eFitrahCard,bekerjasamadengan PT Asuransi Jiwa Sinarmas
Tabungan Ummat
Merupakan investasi tabungan dengan akad Mudha rabah di kantor layanan Bank Muamalat di seluruh Indonesia yang penarikannya dapat dilakukan secara bebas biaya di seluruh counter Bank Muamalat, ATM Muamalat, jaringan ATM BCA/PRIMA dan jaringan ATM Bersama. Tabungan Ummat dengan Kartu Muamalat juga berfungsi sebagai akses debit di seluruh merchant Debit BCA/ PRIMA di seluruh Indonesia. Selain itu, nasabah tabungan Ummat akan memperoleh bagi hasil yang kompetitif perbulannya.
FUNDING PRODUCTS
The Shar-e is sharia investment savings product that integrates the convenience of ATM, Debit and Phone Banking access in a single card, which can be purchased at any post office outlet throughout Indonesia. The Shar-e card package and savings account with initial deposit of Rp 100,000 can be had for only Rp 125,000, opening the way to invest and save with Bank Muamalat through the post office. The funds will be invested in pure sharia business with competitive profit sharing.
Shar-e offers free-of-charge cash withdrawal on the ATM BCA/PRIMA and ATM Bersama, access to all merchants of the BCA/PRIMA Debit and SalaMuamalat facility (24- hour phone banking with automatic response for balance inquiry, historical transaction information, transfer between accounts up to Rp50 million and various other payment features). Shar-e is also linked with the ATM Malaysia Network that belongs to the MEPS (Malaysian Electronic Payment System) : Maybank, Hong Leong Bank, Affin Bank dan Southern Bank.
Shar-e has developed various features in cooperation with several companies in Indonesia, such as:
• Shar-efulPROTEK,incooperationwith PT Asuransi Takaful Keluarga
• Shar-eShariaMegaCovers,incooperationwith PT Asuransi Jiwa Mega Life
• Shar-eTaawunCard,incooperationwith PT Asuransi Bintang
• Shar-eFitrahCard,incooperationwith PT Asuransi Jiwa Sinarmas
An investment savings opened with Mudharabah agreement at Bank Muamalat counters throughout Indonesia, with cash withdrawals from any Bank Muamalat branch or ATM Muamalat, ATM BCA/PRIMA and ATM Bersama networks. The Ummat Savings comes with the Muamalat card, which serves as a debit card at Debit BCA/ PRIMA merchants throughout Indonesia. Account holders receive a share of the Bank’s revenues from the use of the savings funds.