Yes. The spirit of sharia is a blessing for the universe, as stated in the Qur'an: "And we did not send you (Muhammad) except as a mercy for the universe" (21:107). Thus, sharia banking services can be enjoyed by Muslims and non-Muslims.

The price aspect is not actually a sharia area, but a business area. This means that the price of a product is determined based on business considerations, namely supply, demand and value received/perceived by customers. Likewise, in determining the price of financing distributed by Islamic banks, pay attention to supply, demand and value for customers. In practice, sometimes a sharia bank financing product is more expensive than a conventional bank, while other financing products are cheaper. Financing products between a sharia bank and other sharia banks also vary.

Lottery is a tool/instrument that can have positive or negative value (including gambling). The practice of raffles held by sharia banks does not constitute gambling, because customers are not charged any fees to take part in the raffles. Therefore, Islamic banks are allowed to carry out the lottery

Sharia banks are the locomotive driving the economy which relies on real sector growth, while providing a larger portion to the micro segment.

We see that, as a subsidiary bank of the nation, a local sharia bank of course and should understand market needs, be able to make attractive products and present them in accordance with the nation's culture.

Complaints can be submitted verbally and/or in writing to the Bank's Frontliner staff by visiting the PT. Bank KB Bukopin Syariah Branch Office and Call the Halo KBBS Call Center at 1500666 or via the Bisa Mobile Application, WhatsApp Chatbot KB Bank Syariah, Website https://www.kbbanksyariah.co.id/ , Email [email protected]. Complaints other than industrial retail payments can be made via the Consumer Protection Portal Application (APPK OJK)

Customers who come to the office of PT. KB Bukopin Syariah are required to bring documents in the form of an original identity card (EKTP), proof of transaction, fill out the form and other supporting documents if necessary. For complaints via the Bisa Mobile Application, WhatsApp Chatbot KB Bank Syariah, Website https://www.kbbanksyariah.co.id/, Email [email protected], customers are required to fill in the complete data contained in the application and upload proof of transaction if any.

• Complaints related to transactions via ATM, via Mobile Banking, via QRIS, SKN, RTGS, no later than 14 working days from the date of complaint.
• Complaints related to BI-Fast Transfer transactions no later than 7 working days from the date of complaint.
• Complaints related to merchant transactions 20 working days no later than 30 calendar days from the date of complaint.
• Complaints through the OJK APPK refer to OJK provisions, namely within a period of 10 working days with an extension period of 10 working days.

Customers can submit settlement efforts to the court and outside the court through LAPS (Alternative Dispute Resolution Institution) in the Financial Services Sector on the condition that the dispute submitted is not in the process or has been decided by a court, arbitration or other Alternative Dispute Resolution Institution.

Yes, the Bank can reject the complaint if:

• The customer does not complete the document requirements within the specified time period.
• The previous complaint has been fully resolved by KB Bank Syariah.
• The complaint is in process or has been decided by a civil court.

The complaint is not related to the use of products and/or services issued by PT. Bank KB Bukopin Syariah.