Duha Syariah - Bebas Riba

PT. Duha Madani Syariah

Mayelana nalolu hlelo lokusebenza

I-DUHA SYARIAH - I-Sharia Peer-to-Peer Lending enikeza usizo lwezezimali olulula, olusheshayo, olusobala kanye nolwemali engenayo inzuzo.

IZIMALI :
Ingabe ufuna ukubamba iqhaza ekusizeni ama-MSME e-Indonesia?
Thola isivuno esifinyelela ku-20% p.a.
Iba Umhlinzeki Wezezimali (Umboleki) e-Duha Syariah, futhi usize ama-MSMEs khona manje!
Nge-KTP ne-NPWP kuphela, ungaba uMbolekisi eDuha Syariah.

UBUHLE BOKUBA UMBOLEKI:
*Isivuno esikhangayo esilingana no-20% p.a
*Inqubo elula, esheshayo futhi esobala
*Ingozi elinganisekayo
* Ukusiza ama-MSME ekuthuthukiseni ibhizinisi lawo

UNGABHALISA KANJANI UKUZE UBE UMbolekisi:
1. Landa uhlelo lwe-Duha Syariah
2. Ukubhalisa Njengomhlinzeki Wezezimali (Umboleki)
3. Gcwalisa idatha bese uhambisa
4.Usungakwazi ukukhokhela

IZIMALI:
Udinga imali eyengeziwe ukuze usheshise ukuhamba kwemali kwebhizinisi lakho?
Igajethi yakho iphukile kodwa awunayo imali eyanele yokuthenga igajethi entsha?
Uyafuna ukuya kwezokuvakasha kwe-Umrah/halal kodwa ungakongi okwanele?
I-Duha Sharia iyisixazululo. Zibhalise njengomamukeli Wokuxhaswa Ngezimali (Umboleki), futhi ugcwalise izidingo zakho noma nini nanoma kuphi!
*UDuha Syariah akasabalalisi izimali ngokheshi ngqo Kubamukeli Bezezimali (Ababoleki)

Imikhiqizo Yezimali Ye-Duha Syariah:
1. Uxhaso Lwezimali Olusebenzayo lwabalingisi bebhizinisi (olukhiqizayo)
2. Uxhaso Lwezimali Ezizinjongo Eziningi
3. Uxhaso lwe-Umrah, Imfundo kanye Nezinye Izinkonzo

IMIGOMO NEZIMBANDELA ZOMBOLEKILE:
•Ngokukhethekile Ezinkampanini Zebhizinisi (PT/CV), ubuncane beminyaka emi-2 yokusebenza nenzuzo
•Abasebenzi abavela ezinkampanini ezibambisene ne-Duha Syariah
•Ikakhulukazi kubantu abazisebenzayo, bathole izincomo ezivela kuThishanhloko osebenzisana noDuha Syariah

UKWAKHIWA KWEZIMALI:
-I-Margin/Ujroh (imali) elingana no-18% - 30% ngonyaka (i-APR ephezulu engu-30% ngonyaka)
-Azikho izimali ezikhokhwayo zesevisi, ezokuphatha, nezimali ezikhokhelwa sekwephuzile
- I-Tenor esukela ezinyangeni ezi-3 kuye kwezingama-24
-Umkhawulo Wezezimali ufika ku-Rp. 2 billion
-Inqubo iyashesha, kulula futhi isobala

UKULINGISA NGEZIMALI:

Uxhaso Lwezimali Olusebenzayo Lwabadlali Bebhizinisi (Okukhiqizayo)
Inani lezezimali: Rp. 100,000,000
I-Ujroh (imali): ilingana no-30% ngonyaka
I-Tenor : izinyanga ezi-3
Isamba se-Ujroh : (IDR 100,000,000 x 30% / 12) x 3 = IDR. 7,500,000
Imali yesevisi nokuphatha : Rp. 0
Isamba Sezimali : Rp. 100,000,000 + Rp. 7,500,000 = Rp. 107,500,000
Inani Lezitolimende Zanyanga Zonke: Rp. 107,500,000 / 3 = Rp. 35,833,333

Ukuthengwa kwezimpahla
Inani lezezimali: Rp. 2,000,000
Imajini (imali): ilingana no-30% ngonyaka
I-Tenor : izinyanga ezingu-6
Ijini ephelele : (IDR 2,000,000 x 30% / 12) x 6 = IDR. 300,000
Imali yesevisi nokuphatha : Rp. 0
Isamba Sezimali : Rp. 2,000,000 + Rp. 300,000 = Rp. 2,300,000
Inani Lezitolimende Zanyanga Zonke: Rp. 2,300,000 / 6 = Rp. 383,333

Ukuhamba kwe-Umrah, Imfundo kanye Nezinye Izinkonzo
Inani lezezimali: Rp. 20,000,000
Ujroh (imali): Ilingana no-30% ngonyaka
I-Tenor : izinyanga ezingu-12
Isamba se-Ujroh: Rp. 20,000,000 x 30% = Rp. 6,000,000
Imali yesevisi nokuphatha : Rp. 0
Isamba Sezimali : Rp. 20,000,000 + Rp. 6,000,000 = Rp. 26,000,000
Inani Lezitolimende Zanyanga Zonke: Rp. 26,000,000 / 12 = Rp. 2,166,667

UNGABHALISA KANJANI ABABOLEKILE:
1. Landa uhlelo lwe-Duha Syariah
2. Ukubhaliswa Njengomamukeli Wezimali (Umboleki)
3. Khetha uhlobo lwezimali (Multipurpose/Umroh/Invoice Financing)
4. Gcwalisa idatha eceliwe kanye nemibhalo
5. Ungakwazi kakade ukuhlangabezana nezidingo zakho ngokuthi:
a. I-Working Capital Financing Yabadlali Bebhizinisi: Layisha i-invoyisi ofuna ukuyihambisa ngohlelo lwe-Duha Syariah, uyithumele ngemva kokuqeda imininingwane yokuthumela.
b. Izinhloso Eziningi: Thenga ku-Bhinneka.com/Halalpedia.com, khetha indlela yokukhokha ye-Duha Syariah/thintana ne-CS ukuze uthole ezinye izinketho zomkhiqizo
c. Uhambo Lwezenkolo: Xhumana no-CS ukuze uthenge amaphakheji e-Umrah/uhambo lwe-halal/imali yokufunda
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Jl Jend Sudirman Kav 52-53, South Jakarta 12190

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