Sharia Products and Services
A range of sharia financial solutions to support the welfare and independence of the community
Serving closer, easier, and blessed. A sharia financial solution that prioritizes Islamic principles for the progress of the community.
Ratification of Deed of Establishment:
Keputusan Menkop UKM RI No. 75/BH/KUKM/1.2/IV/2005
Ratification of Amendment to Articles of Association:
Keputusan Menteri HAM RI No. AHU-0003050.AH.01.38.TAHUN 2025
Serving Closer, Easier & Blessed
A range of sharia financial solutions to support the welfare and independence of the community
Joining a sharia-based savings and loan cooperative is a wise step for members to achieve blessed finances free from the prohibition of usury (riba).
Financing Access for MSMEs
A sharia savings and loan cooperative is a key partner for MSMEs in obtaining easy, fast capital access grounded in the values of justice.
Fair Financing Access
Members gain easy financing without interest (riba) through sharia contracts that are lawful, fair, and mutually beneficial.
Transparency and Accountability
Every transaction is managed by upholding openness, honesty, and accountability — reflecting the values of trust in Islamic muamalah.
We have summarized common questions so you can better understand our services and sharia cooperative principles.
You can register by visiting our office or contacting customer service. Bring the required identity documents such as your ID card (KTP), family card (KK), and other supporting documents.
BMT Huwaiza offers a fair profit-sharing system, friendly service, an easy process, and of course full compliance with Islamic sharia principles.
Yes, BMT Huwaiza is officially registered with a license from the Ministry of Cooperatives and SMEs and is supervised by a Sharia Supervisory Board.
Real reviews and experiences from community leaders about the ease and blessing of the sharia cooperative.
'BMT Huwaiza is one of the channeling institutions helping the Government Investment Center distribute business financing to MSMEs thanks to its excellent governance and performance. We appreciate its achievements and hope it will grow further to reach more MSMEs needing easy, fast business financing.'
Director of Funding & Financing Cooperation, Government Investment Center
'BMT Huwaiza is one of the very sound and trustworthy sharia-based savings and loan cooperatives in Depok. It is also strongly committed to facilitating financing access for MSMEs. May it keep providing benefit and improving the economic welfare of its members and the people of Depok.'
Head of the Cooperatives & Micro Enterprises Office, Depok City
'BMT Huwaiza has shown consistency as a trustworthy and professional sharia financial institution, growing firmly in its cooperative identity while upholding honesty, prudence, and openness. This proves it is not just a financial institution but a pillar of community empowerment. I appreciate its commitment to making the global theme “Cooperatives Build a Better World” real at the community level through concrete work and inclusive sharia financial services, especially for micro-entrepreneurs and women's groups.'
Executive Director of PINBUK.ID, Small Business Incubation Center
'BMT Huwaiza has become a real solution for the wider community by building the real sector that forms one of the foundations of the sharia economy in Indonesia. May it always remain steadfast and blessed.'
Indonesian Muamalah Fiqh Expert & Member of the National Sharia Board (MUI)
'BMT Huwaiza has grown quite rapidly over the past 20 years. May this growth be sustained in the years ahead for the welfare of its members.'
Chairman of the Indonesian Cooperative Council, Depok Branch
'BMT Huwaiza is part of the solution to Indonesia's various economic problems. I am grateful for its ease across many services, especially in the much-needed education financing. Success and barakallahu fiikum, BMT Huwaiza.'
Chairman of Al-Qudwah Islamic Foundation & Member of the Regional Representative Council (DPD RI) 2019-2024
Active Members
Years of Experience
Realizing social care through various sustainable community empowerment programs
Free Breakfast
Gifts for Orphans & the Poor
Gifts for Quran Teachers
Disaster Response
Blood Donation
Healthy Food
Free Health Check
Ambulance
Orphan Tahfiz House
Foster Child Scholarship
Qurban
Ramadan
Channel your zakat, infaq, and sadaqah through the Baitulmal Huwaiza program
Become part of a sharia cooperative that is trustworthy, empowering, and full of blessings.
Outstanding Cooperative of Depok 2010 & 2016