BSI and Muhammadiyah Strengthen Digital Collaboration

Strategic Partnership for Sharia Financial Solutions

PT Bank Syariah Indonesia (BSI) has entered into a significant strategic partnership with Muhammadiyah's Central Leadership (PP Muhammadiyah) to develop sharia-compliant financial ecosystems within Amal Usaha Muhammadiyah (AUM). This collaboration was formalized through a Memorandum of Understanding (MoU) signed on November 17, 2025, in Bandung ¹

Key Collaboration Areas

1. Cash Management Solutions: BSI will provide advanced liquidity management services to AUM
2. Sharia Banking Products: Implementation of mudharabah savings, giro, and deposits
3. Financing Products: Offering sharia-compliant financing solutions
4. Digital Integration: BSI to join Muhammadiyah's MASA SuperApp
5. Payment Solutions: Development of Payment Point Online Bank (PPOB) through co-branding initiatives

Digital Transformation through MASA SuperApp

The MASA SuperApp, currently under development, will serve as a comprehensive digital platform integrating various services including membership management, organizational directory, and financial transactions. BSI will provide its digital banking capabilities to enhance the platform's functionality, particularly in payment systems and AUM management ¹

Impact and Future Prospects

This partnership represents a significant step in creating a robust digital ecosystem for Muhammadiyah's extensive network. With BSI being Indonesia's largest sharia bank, this collaboration is expected to enhance financial inclusion and digital literacy among Muhammadiyah members. The integration is also anticipated to streamline financial management for AUM, covering various sectors such as healthcare, education, and other community services.