Program / Produk DPLK Syariah Muamalat

Summary

In this podcast episode, Lala and Pak Kader Budiman discuss the pension programs offered by DPLK Syariah Muamalat. They explore the Pensiun Hijrah program for both employees and companies, emphasizing the benefits such as tax incentives, Sharia-compliant investments, and tailored packages. The conversation also covers the Pensiun Hijrah for executives, offering flexible retirement options and life insurance. All products are OJK-licensed, and participants can manage their accounts online. This podcast provides valuable insights for individuals and businesses interested in Sharia-compliant pension plans.

Takeaways

• 😀 The podcast discusses DPLK Syariah Muamalat's pension program offerings.
• 😀 The main product for individual employees without a pension program is the 'Pensiun Hijrah' program, which offers guaranteed pension contributions with Sharia-compliant investment management.
• 😀 Participants in the 'Pensiun Hijrah' program can choose from three investment options: Conservative, Moderate, and Aggressive, based on their risk preference.
• 😀 For companies with pension reserves, DPLK Syariah Muamalat offers a program for managing severance compensation, with tax incentives and Sharia compliance.
• 😀 The company program helps businesses grow their pension reserves while benefiting from tax exemptions on contributions, investment returns, and pension payouts to employees.
• 😀 The 'Pensiun Hijrah Eksekutif' program is tailored for executives, board members, and directors, offering flexible pension planning and insurance coverage.
• 😀 The executive pension program adjusts the retirement age based on the executive's tenure and includes life insurance options for participants.
• 😀 All products offered by DPLK Syariah Muamalat are approved by OJK (Financial Services Authority) and monitored for compliance.
• 😀 DPLK Syariah Muamalat provides online account opening, 24/7 balance checks, and support for both online and manual claims at any Bank Muamalat branch.
• 😀 An electronic membership card (IKAT) is available for participants, reducing the need for physical booklets, streamlining the process for easier access.

Q & A

What is the primary product offered by DPLK Syariah Muamalat for individual employees who do not have a pension program?

The primary product offered is 'Pensiun Hijrah,' a defined contribution pension program designed for employees and independent workers. It features an individual account where contributions are managed by DPLK Syariah Muamalat and invested according to Sharia principles.

What are the main benefits of the 'Pensiun Hijrah' program for individual employees?

The benefits include growing the pension funds through investments, which are managed in line with Sharia principles, and the option to choose from three investment packages: conservative, moderate, or aggressive.

Can companies also participate in DPLK Syariah Muamalat's pension programs? If so, how?

Yes, companies can participate by using DPLK Syariah Muamalat's program to manage their pension reserves. This is especially helpful for companies that have already set aside pension funds, allowing them to benefit from investment growth, tax incentives, and Sharia compliance.

What is the 'Pensiun untuk Kompensasi Pasca Kerja' program, and how does it benefit companies?

This program is designed for companies to manage post-employment compensation reserves. The benefits for companies include fund growth from investment, tax incentives on contributions, and Sharia compliance in the management of these reserves.

Does DPLK Syariah Muamalat offer a pension program for company executives or owners?

Yes, DPLK Syariah Muamalat offers the 'Pensiun Hijrah Eksekutif' program, which is tailored for company executives such as directors or commissioners. The program offers flexible pension ages based on the executive’s tenure and includes life insurance coverage.

What are the key advantages of the 'Pensiun Hijrah Eksekutif' program for executives?

The advantages include flexibility in determining the retirement age based on the executive's tenure, the availability of life insurance, and the assurance that all investments are managed in compliance with Sharia principles.

Are all DPLK Syariah Muamalat products Sharia-compliant?

Yes, all products offered by DPLK Syariah Muamalat are fully Sharia-compliant. The investments are managed under a 'Mudarabah Bil Ujroh' agreement, which ensures that the investments align with Islamic finance principles.

How does DPLK Syariah Muamalat ensure transparency and accessibility for its participants?

DPLK Syariah Muamalat provides an online platform for participants to open accounts, check balances 24/7, and access various services such as manual claim processing at branch offices. They also offer electronic identification cards (IKAT) for easy access to account information.

Can participants access their pension accounts or make claims online?

Yes, participants can access their pension accounts and check balances online at any time. They can also file claims at DPLK Syariah Muamalat's branch offices across Indonesia.

What are the options for investment in DPLK Syariah Muamalat’s pension programs?

Participants in DPLK Syariah Muamalat’s pension programs can choose from three investment packages: conservative, moderate, or aggressive, allowing them to tailor their investment strategy based on their risk tolerance and retirement goals.