Things to Watch Out For
- Interest automatically mixing with your main funds
- Normalizing small interest because it seems trivial
- Having no plan to migrate from conventional to Sharia accounts
B. Financial System
Guide 05: Salary Account and Interest Management
Bank interest is a matter of principle. Even small amounts have a significant impact on Sharia sensitivity.
Execution Checklist
- Continue receiving salary in the current account if payroll requires it
- Record the exact interest amount every month
- Separate the interest and channel it to social causes
- Transfer your main funds to a Sharia-compliant account
Rina received Rp15,000 in monthly interest. She created a special record, separated the interest, and gradually moved her main funds to a Sharia bank.
- MUI Fatwa No. 1 of 2004 regarding bank interest
- The principle of avoiding riba in monetary transactions