Introduction
Welcome to our comprehensive guide about CIMB Syariah Call Center, your one-stop source of information for Islamic banking and finance. With its headquarters in Malaysia, CIMB Syariah has become a leading financial institution offering Shariah-compliant products and services across Southeast Asia. In this article, you will find everything you need to know about CIMB Syariah, from its history and awards to its products and services. So, whether you are a current or potential customer, or simply interested in learning more about Islamic finance, keep reading to discover how CIMB Syariah can help you achieve your financial goals.
What is CIMB Syariah?
CIMB Syariah is a subsidiary of CIMB Group, one of the largest banks in Southeast Asia with a presence in 16 countries. CIMB Syariah was established in 2006 to provide Shariah-compliant banking and financial solutions for individuals, businesses, and institutions. Shariah-compliant finance is based on Islamic principles that prohibit interest-based transactions, speculative activities, and investments in unethical industries such as gambling, alcohol, and tobacco. Instead, Islamic finance promotes risk-sharing, asset-based financing, social responsibility, and ethical investing.
CIMB Syariah operates under the guidance of its Shariah Supervisory Board, which comprises respected scholars and experts in Islamic law and finance. Its products and services are designed to cater to the diverse financial needs of its customers, while ensuring compliance with Shariah requirements. CIMB Syariah’s vision is to become the leading Islamic bank in ASEAN, empowering the community towards a better future.
History of CIMB Syariah
CIMB Syariah was founded in Jakarta, Indonesia, in 2006, as a result of CIMB Group’s acquisition of Bank Niaga Syariah. Since then, CIMB Syariah has expanded its operations to other countries in Southeast Asia, including Malaysia, Singapore, and Thailand. In 2008, CIMB Syariah became the first Islamic bank to be listed on the Jakarta Stock Exchange, and in 2014, it was named the Best Islamic Bank in Indonesia by World Finance. CIMB Syariah continues to innovate and grow, offering new products and services to meet the changing needs of its customers.
CIMB Syariah Products and Services
CIMB Syariah offers a wide range of Shariah-compliant products and services for personal, business, and institutional customers. Here are some of its main offerings:
| Product/Service | Description |
|---|---|
| Current Account-i | A checking account with no minimum balance and competitive profit rates. |
| Savings Account-i | A savings account with no monthly fee and profit sharing based on account balance. |
| Fixed Deposit-i | A time deposit with flexible tenures and guaranteed profit returns. |
| Home Financing-i | A Shariah-compliant home loan with flexible repayment terms and profit rates. |
| Personal Financing-i | A Shariah-compliant personal loan with easy application and affordable payments. |
| Business Financing-i | Various financing options for SMEs and corporate clients, such as working capital, trade finance, and property financing. |
| Wealth Management-i | Investment solutions for individuals and institutions, such as unit trusts, structured investments, and wealth management services. |
| Credit Card-i | A Shariah-compliant credit card with no annual fee and cashback rewards. |
These products and services are tailored to help customers achieve their financial objectives while adhering to Islamic values and principles. CIMB Syariah also provides online and mobile banking platforms for convenient and secure transactions, as well as customer service through its call center, branches, and ATMs.
Benefits of CIMB Syariah
There are several benefits of choosing CIMB Syariah as your financial partner:
- Halal and ethical: CIMB Syariah’s products and services are designed to comply with Shariah requirements and promote social responsibility.
- Competitive rates and fees: CIMB Syariah offers attractive profit rates and low fees for its customers.
- Convenient and accessible: CIMB Syariah provides various channels to access its services, including 24/7 call center, online and mobile banking, and wide network of branches and ATMs.
- Expertise and innovation: CIMB Syariah has a team of experienced professionals and scholars who continuously develop new solutions and improve existing products to meet customer needs.
- Recognition and awards: CIMB Syariah has received numerous awards and recognitions for its excellence in Islamic finance, including Best Islamic Bank in Indonesia, Best Sukuk Deal of the Year, and Best Islamic Retail Bank.
FAQs
1) What is Islamic finance?
Islamic finance is a financial system based on Shariah principles that prohibit interest-based transactions, speculative activities, and investments in unethical industries. It promotes risk-sharing, asset-based financing, social responsibility, and ethical investing.
2) What is CIMB Syariah?
CIMB Syariah is a subsidiary of CIMB Group that offers Shariah-compliant banking and financial solutions for individuals, businesses, and institutions.
3) What Shariah-compliant products and services does CIMB Syariah offer?
CIMB Syariah offers various products and services, including current account-i, savings account-i, fixed deposit-i, home financing-i, personal financing-i, business financing-i, wealth management-i, and credit card-i.
4) How can I open an account with CIMB Syariah?
You can visit any CIMB Syariah branch or apply online through its website. You will need to provide your personal information and required documents, such as identity card, proof of income, and residence.
5) What are the benefits of using CIMB Syariah?
CIMB Syariah offers halal and ethical banking and financial solutions, competitive rates and fees, convenient and accessible services, expertise and innovation, and recognition and awards.
6) How can I contact CIMB Syariah?
You can call CIMB Syariah’s 24/7 call center at +6221 2997 8888 or visit its branches and ATMs across Southeast Asia.
7) Is CIMB Syariah a safe and reliable institution?
CIMB Syariah is regulated by the central banks of its respective countries, ensuring compliance with Shariah and financial regulations. It has also received high ratings from rating agencies, such as Standard & Poor’s and Moody’s.
8) Can non-Muslims use CIMB Syariah’s services?
Yes, CIMB Syariah’s products and services are available to all customers, regardless of their religion or race. However, they must conform to the Shariah principles and requirements.
9) What is the difference between conventional and Islamic finance?
Conventional finance is based on interest-based transactions and speculative activities, while Islamic finance prohibits them and promotes risk-sharing, asset-based financing, social responsibility, and ethical investing.
10) How does CIMB Syariah ensure compliance with Shariah?
CIMB Syariah has a Shariah Supervisory Board that oversees its operations and ensures compliance with Shariah principles and requirements. It also conducts regular audits and reviews by independent Shariah auditors.
11) How can I invest in Shariah-compliant products and services?
You can consult with CIMB Syariah’s wealth management experts and choose from various investment options, such as unit trusts, structured investments, and Islamic bonds (sukuk).
12) What are the criteria for halal and ethical investments?
Islamic investments must comply with certain criteria, such as avoiding investments in prohibited industries, such as gambling, alcohol, and tobacco, and ensuring profits are generated from legitimate sources and activities.
13) How does CIMB Syariah contribute to the community?
CIMB Syariah has various corporate social responsibility (CSR) programs that support education, health, environment, and community empowerment. It also partners with non-profit organizations and institutions to promote sustainable development and social welfare.
Conclusion
After reading this guide, you should have a better understanding of what CIMB Syariah is, what it offers, and why it matters. Islamic finance is a growing industry that offers a unique and ethical alternative to conventional finance, and CIMB Syariah is at the forefront of this movement. By choosing CIMB Syariah as your financial partner, you are not only achieving your financial goals, but also contributing to a better and more sustainable future.
We encourage you to explore CIMB Syariah’s products and services, visit its website, or contact its call center for more information. You can also follow its social media accounts to stay updated on its latest news and promotions. Thank you for reading, and we wish you a prosperous journey with CIMB Syariah!
Closing Statement with Disclaimer
The information contained in this article is for informational purposes only and does not constitute financial, legal, or professional advice. The author and publisher are not responsible for any errors or omissions, or for any losses or damages arising from the use or reliance on the information provided. Readers are advised to consult with their own advisors regarding their specific situations and needs.