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Digital Banking & Channels
Run your Sharia bank operations in one system built entirely around Islamic contract principles.
From Murabahah to Musyarakah Mutanaqisah
Automated profit-sharing calculation
Fund management by contract type
ndonesia's Islamic banking sector continues to grow steadily, with financing and third-party funds both recording strong year-on-year growth as public trust in Sharia-based financial services expands. Amidst this momentum, Sharia banks need a system genuinely designed for the complexity of Islamic contracts, not a conventional system patched to fit.
HBM's Islamic Banking System is purpose-built to handle the full operational cycle of a Sharia bank from funding (Wadiah, Mudharabah, and Tawarruq) to financing (Murabahah, Ijarah, and Musyarakah Mutanaqisah) and transparent, contract-compliant profit distribution. The entire process runs on one integrated system, allowing both Islamic commercial banks and BPRS to operate strictly according to Sharia principles without sacrificing efficiency.
Manages funding products under Wadiah, Qard, and Tawarruq contracts.
Supports sale-based and lease-based financing such as Murabahah and Ijarah.
Schedule a demo or discuss your institution's Islamic banking system needs with HBM.
Integrates with other systems
Manages investment products under Mudharabah and Wakalah contracts.
Calculates and distributes profit-sharing based on fund pool and contract type.
Manages general, restricted, and unrestricted fund pools in line with Sharia requirements.
Supports the workflow from financing application through collection.
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