• This program is applicable to Maybank Personal Financing iB applications submitted during the program period at KCS Jatinegara Branch.
• This program is available to Customers who apply for Maybank Personal Financing iB and meet the following requirements:
1.  Eligibility Requirements:
1. Indonesian Citizen.
2. Minimum age of 21 years old at the time of financing application and maximum age of 55 years old at the end of the financing period.
3. Minimum monthly income of Rp4 million.
4. Minimum employment tenure of 1 year for employees.
5. Minimum business tenure of 2 years for professionals and self-employed individuals.
6. Complete the application form and submit the required documents, with details as follows:
   

   No	Document	Employee	Entrepreneur	Professional	Maybank Credit Cardholder*
   1	Signed Application Form	Original	Original	Original	Original
   2	Statement of Asset Ownership (applicable for Musyarakah Mutanaqisah contract)1)	Original	Original	Original	Original
   3	Indonesian Identity Card (KTP)	Photo Copy	Photo Copy	Photo Copy	Photo Copy
   4	Salary Slip2)	Original	-	-	-
   5	Maybank Credit Card3)	-	-	-	Photo Copy
   6	SIUP/TDP/TDI/SITU/Practice Lisense	-	Photo Copy	Photo Copy	-
   7	Bank Statement for the Last 3 Months	-	Photo Copy	Photo Copy	-
   8	NPWP4)	Photo Copy	Photo Copy	Photo Copy	Photo Copy

   *For Maybank Credit Cardholders and Customers with existing Maybank financing, submission of a payslip, SIUP (Business License), and the last 3 months’ bank statements is not required.
   ¹⁾ Completing the ownership information/document of the asset to be used as the object of MMq (Musyarakah Mutaqisah).
   ²⁾ Payslips for the last 2 months from the application submission date. Payslips can be in e-salary format or carbonized.
   ³⁾ Minimum Maybank Credit Card membership of 2 years and a minimum financing limit of IDR5 million.
   ⁴⁾ Tax Identification Number (NPWP) must be provided for financing application ≥ IDR50 million.

1. Maybank Personal Financing iB Financing Terms:
1. Margin/ujrah rate and administrative fees:
   

   Customer	Monthly Margin/Ujrah Rate*					Administration Fee**
   	12 month	24 month	36 month	48 month	60 month
   Maybank Payroll Customer (income IDR4–6 million)***	0.99%	1.09%	1.19%	1.29%	1.39%	1.50%
   Maybank Payroll Customer (income > IDR6 million)***	0.89%	0.99%	1.09%	1.19%	1.29%
   Maybank Non-Payroll Customer (Cross Sell)	1.29%	1.39%	1.49%	N/A	N/A	IDR250,000
   Non-Maybank Customer (Regular)	1.79%	1.89%	1.99%	N/A	N/A	3.50%

   *The applicable margin/ujrah rate is based on a flat annuity with fixed monthly installments, where principal and margin/ujrah change each month. Margin/ujrah rates may change at any time according to the Bank’s policy with prior notice.
   **Minimum administrative fee of IDR250,000.
   ***Maybank Payroll customers are invited by the Bank based on criteria and terms set by the Bank.

1. Early Settlement and Late Payment Terms:
1. A late payment fee of up to 5% of the outstanding financing amount plus IDR100,000.*
2. An early settlement fee based on the remaining financing tenor, subject to the following terms:
   

   Early Settlement Fee**
   Remaining Tenor	Remaining Principal***	Administrative Fee****
   <= 6 month	5%	IDR0
   > 6 month – 24 month	6%	IDR250,000
   > 24 month	6%	IDR300,000

   * Late payment fees will be allocated for social funds and compensation (Ta’widh).
   ** Not applicable to Maybank employees & consolidation.
   *** Includes 1 installment.
   ****Administrative fee will be charged if the customer’s Maybank Personal Financing iB account has been closed but still has an excess balance of IDR100,000/month.

• This program is available to Customers who do not have any active financing facility with Maybank.
• Reward Eligibility:
1. 1 (one) Wadimor sarong will be given after the Customer submits an application for Maybank Personal Financing iB.
2. 1 (one) IDR2,500,000 Umrah Discount Voucher will be given once the Maybank Personal Financing iB application has been approved.
• Application, Disbursement & Monthly Installment Payment Process:
1. Apply for Maybank Personal Financing iB and open a Maybank iB Savings Account for monthly installment payments via autodebit. Applications must be submitted at the nearest Maybank branch.
   Branch Locations
   CLICK HERE
2. The financing approval process takes a maximum of 5 business days from the receipt of complete documents.
3. Once the financing is approved, the Customer will receive a notification within a maximum of 3 business days via the email address registered in the Maybank system.
4. The financing proceeds will be disbursed directly to the Maybank iB Savings Account within a maximum of 3 business days after the financing application is approved.
• Reward Terms and Conditions:
  1. 1 (One) Wadimor Sarong:
     1. After submitting an application for Maybank Personal Financing iB, the Customer will receive 1 (one) Wadimor sarong as an instant reward, provided directly by Maybank staff at KCS Jatinegara.
     2. The reward is available for the first 81 Customers who fulfill the program requirements.
     3. This program is not cumulative, and each Customer may participate only once using the same identification.
     4. Reward selection is subject to the applicable terms and conditions. Maybank Indonesia does not accept specific requests regarding the color, production year, and/or size of the reward, which will be provided subject to availability.
  2. IDR2,500,000 Umrah Discount Voucher:
     1. The voucher can only be used to redeem an Umrah package from the following travel partners:
        1. Khazzanah Tour & Travel.
        2. Iskandaria Tour & Travel.
        3. Khalifa Asia Tour & Travel.
        4. Dwins Tour & Travel.
        5. SS Tour & Travel.
     2. The voucher is valid for all Umrah packages, including Umrah Plus packages.
     3. The voucher cannot be transferred to another party.
     4. The Umrah Discount Voucher cannot be exchanged for cash or replaced with another type of reward.
     5. The voucher will be sent within a maximum of 30 business days from the date the Customer successfully participates in the program, to the email address registered in the Maybank system.
     6. The Hajj & Umrah travel partners are active and officially appointed partners of Maybank Indonesia. These partners operate licensed Umrah and Special Hajj pilgrimage travel services under the supervision of the Ministry of Religious Affairs.
     7. The provision and delivery of Umrah facilities and services are entirely the responsibility of the Hajj & Umrah travel partner.
     8. Customers agree to be contacted by the Hajj & Umrah travel partner for verification and Umrah package offers.
     9. For complaints regarding Umrah services, Customers may contact the Person in Charge (PIC) of the respective travel partner:
        1. Khazzanah Tour & Travel
           Yadin - 0858 9210 0300
        2. Iskandaria Tour & Travel
           Alfi - 0859 2197 8062
        3. Khalifa Asia Tour & Travel
           Muhammad Reza Prabowo - 0895 0279 9336
        4. Dwins Tour & Travel
           Indra - 0852 7171 9929
        5. SS Tour & Travel
           Yuni - 0812 8182 3318
     10. If the travel agent changes the Umrah schedule and the departure date falls outside the voucher validity period, which is 31 December 2026, the voucher will remain valid and may be used for the nearest available departure schedule.
     11. Any additional cost resulting from an increase in the Umrah package price will be borne by the Customer.
     12. The Umrah package is not a product of Maybank Indonesia.
     13. Confirmation of departure and the provision of Umrah pilgrimage travel services are entirely the responsibility of the appointed Hajj & Umrah travel partner.

General Terms and Conditions:

• PT Bank Maybank Indonesia Tbk reserves the right to cancel, postpone, extend, or terminate this program earlier; modify, remove, or add any of its terms and conditions at its sole discretion by providing notification in accordance with applicable regulations. Any such changes will be announced through www.maybank.co.id.
• PT Bank Maybank Indonesia Tbk, at its sole discretion, reserves the right to disqualify Customers who are proven or suspected of committing fraud, violating applicable laws and regulations, and/or intentionally engaging in other manipulative actions in connection with the implementation of this program.