KENDATI ZAMAN sudah maju, dengan perkembangan teknologi informasi yang kian pesat, kehidupan masyarakat modern tak ayal semakin dimudahkan. Aktivitas finansial pun memanfaatkan peranti digital yang memang membuat semuanya serbapraktis. 

Di tengah godaan untuk melakukan transaksi online yang mudah dan antiribet, kebiasaan menabung semakin menemukan relevansi untuk dipertahankan. Lebih-lebih tawaran pinjaman online yang menggempur lewat berbagai aplikasi tanpa agunan dan syarat yang rumit.

Manfaat menabung di bank

Setidaknya ada enam manfaat menabung di bank yang bisa kita rasakan, termasuk bagi anak-anak yang sedang belajar mengelola keuangan. Menabung di bank menawarkan banyak keuntungan sebagai berikut.

1. Belajar hemat

Menabung di bank berarti berlatih menahan keinginan, yang secara tak langsung melatih kesabaran agar tidak segera membelanjakan uang yang dimiliki. 

Dengan demikian, dana bisa disimpan hingga terakumulasi untuk dipergunakan sebagai pemenuhan kebutuhan mendatang.

2. Dana darurat

Manfaat kedua menabung di bank adalah memiliki dana cadangan saat kita memiliki kebutuhan mendadak misalnya dana kesehatan dan perbaikan kendaraan. Belum lagi kalau terjadi PHK yang menyebabkan hilangnya pendapatan.

Kita tahu tantangan ekonomi kian tidak menentu sehingga menabung di bank dapat menjadi jaring pengamanan finansial untuk menciptakan ketenangannya batin dan kedamaian pikiran.

3. Tercapainya target finansial 

Menyimpan uang di bank dapat menjadi sarana mencapai target finansial berupa apa pun. Misalnya merintis sebuah bisnis, membeli kendaraan, melaksanakan perjalanan ibadah, atau liburan bersama keluarga. 

Kita tinggal memilih jenis tabungan, baik tabungan konvensional maupun Tabungan Syariah. Tabungan yang kita buka di bank bisa menyokong berbagai kebutuhan sembari menanti uang terkumpul dalam jumlah yang signifikan.

4. Iming-iming bunga

Bunga atas dana yang kita simpan di bank bisa membantu tabungan menumpuk atau terakumulasi seiring waktu berjalan. Konon bunga yang kita dapatkan dari tabungan online ini dapat menangkal inflasi dan uang tetap bisa menjangkau daya beli yang konsisten.

5. Kenyamanan dan keamanan

Sebagai institusi keuangan yang mapan, bank memberikan jaminan berupa kenyamanan dan keamanan. Bank menjadi tempat aman untuk menyimpan uang kita. 

Di Indonesia sudah ada LPS alias Lembaga Penjamin Simpanan yang menjamin simpanan nasabah hingga 2 miliar per tabungan, termasuk Tabungan Online. Didukung layanan online dan offline yang kian mumpuni, menabung di bank adalah solusi tepat agar uang terus berlipat.

6. Optimisme

Selain membangun kedisiplinan, menabung di bank juga mengajarkan nilai-nilai optimisme yakni tercapainya keinginan sesuai target berdasarkan kemampuan. Menyetorkan uang secara rutin baik dalam bentuk Tabungan Syariah maupun offline adalah tindakan yang memompa spirit optimistis bahwa apa pun bisa diraih dengan jalan menabung.

Alasan nabung untung di M-Syariah

Dengan berbagai manfaat yang menguntungkan, menabung di bank memang solusi untuk menyiapkan masa depan. Menyimpan uang di rumah bisa tetap dipertahankan, tapi hanya bersifat sementara hingga uang terkumpul cukup untuk kemudian disetorkan ke petugas di bank.

Nah, sekarang proses itu juga bisa di-bypass berkat kecanggihan teknologi informasi. Dunia digital yang semakin maju memungkinkan kita menyetorkan uang untuk ditabung kapan pun dalam jumlah berapa pun. Uniknya, penyetoran itu tak mengharuskan kita hadir di bank sehingga bisa menghemat waktu dan tenaga--juga biaya.

Tanpa perlu berpanas ria, repot mencari parkiran, dan menghabiskan waktu di jalan, kita tetap bisa menyimpan uang dengan aman sebagai cadangan masa depan. Ada stok dana berapa pun bisa langsung diletakkan dalam rekening bank. Caranya dengan memanfaatkan aplikasi M-Syariah, yakni rekening bank yang bisa kita buka dengan mudah sambil rebahan di rumah. Aplikasi inovatif persembahan Bank Mega Syariah ini sangat solutif sebagai pendukung hidup masa kini yang cepat tapi tetap produktif.

1 | Mudah

Pertimbangan utama menggunakan aplikasi M-Syariah untuk menabung adalah kemudahan untuk membuka rekening. Cukup mengunduh dari Play Store atau App Store lalu menginstalnya hingga tuntas.

Kemudahan buka rekening di aplikasi M-Syariah

Selanjutnya, isi formulir online yang tersedia. Cepat dan hemat waktu karena kita tak perlu keluar rumah cuma untuk membuka rekening baru. Gercep langsung jadi enggak sampai satu jam loh. Rekening digital langsung siap tanpa harus video call yang merepotkan.

2 | Praktis

Punya rekening di M-Syariah juga menyenangkan karena praktis. Untuk melakukan berbagai transaksi, kita cukup mengandalkan satu aplikasi. Tak perlu menginstal aplikasi lainnya sehingga memori smartphone bisa dihemat.

Di mana pun dan kapan pun kita bisa menuntaskan kebutuhan finansial tanpa mengkhawatirkan ruang, jarak, dan waktu. Mau transfer ke rekening sesama M-Syariah atau rekening bank lain, juga donasi atau zakat, cukup dilayani satu aplikasi digital ini. Asal ada koneksi internet, beres!

3 | Bebas biaya admin bulanan

Hari gini pengeluaran sekecil apa pun sangat signifikan karena cari cuan rasanya makin penuh tantangan. Potongan biaya admin bulanan bisa memberatkan jika diakumulasikan hingga setahun. Padahal biaya itu bisa dipakai untuk membeli paket data atau donasi sosial.

Inilah asyiknya Tabungan Syariah di M-Syariah, gratis biaya administrasi bulanan adalah kebijakan tepat untuk mendorong agar tabungan betul-betul efektif sebagai pilihan umat Islam yang ingin maju dengan menyimpan uang secara aman.

4 | Aman

Keamanan memang isu penting dalam penyimpanan uang. Jangan sampai kita menitipkan uang dalam bentuk tabungan di bank yang tidak amanah. Akun rekening kita di M-syariah dipastikan aman dengan proteksi password, PIN, dan kode OTP. 

Sebagai extra security, masih tersedia keamanan biometrik menggunakan sidik jari (fingerprint) dan deteksi wajah (face ID). Dana dan transaksi kian aman dan nyaman tanpa bikin waswas sehingga waktu kita bisa digunakan untuk hal-hal produktif lainnya. Pokoknya menguntungkan!

5 | Fitur lengkap

Fitur M-Syariah terbilang lengkap untuk memanjakan nasabah Bank Mega Syariah. Baik pembelian maupun pembayaran secara online bisa dirampungkan di aplikasi digital ini. Selain transfer antarrekening dan pengisian saldo e-wallet, ada fitur Berkah Islami yang memasok informasi seputar masjid terdekat, arah kiblat, dam berita dan artikel Islami lainnya sehingga bisa menjadi wadah mencari ilmu.

6 | Transaksi multifugsi 

Keunggulan lain aplikasi M-Syariah adalah tersedianya fitur amal atau donasi sosial selain transaksi perbankan. Dukungan transaksi multifungsi ini memungkinkan kita memberikan amal seperti zakat, infaq, sedekah, wakaf, hingga donasi.

Tinggal pilih sesuai preferensi pribadi

Mau bayar zakat? Banyak pilihan LAZ (Lembaga Amil Zakat) yang tepercaya sehingga kita tak perlu cemas atau terlupa membayarnya hanya karena tak sempat mengunjungi kantor LAZ. Langsung saja bayar di aplikasi M-Syariah.

Kesimpulan

Menutup tulisan ini, perlu saya ingatkan bahwa fitur-fitur utama M-Syariah bisa kita andalkan dalam berbagai transaksi finansial, baik yang bersifat pembelian maupun donasi dalam konteks amal.

1. Buka rekening Tabungan Syariah secara online, bisa sambil rebahan tanpa harus datang ke kantor cabang atau melakukan video calling.
2. Cukup lengkapi data, foto KTP, dan foto selfie di aplikasi M-Syariah untuk membuka rekening, gampang kan?
3. Kartu ATM akan diantar langsung ke alamat sesuai yang kita cantumkan saat pendaftaran.
4. Pemindahbukuan atau transfer antarbank tentu saja dilakukan secara online, jadi satset antiribet--cocok untuk belanja atau bayar macam-macam.
5. Mau transfer ke rekening bank lain dengan biaya admin yang lebih murah, pilih saja layanan BI Fast yang disediakan pada aplikasi.
6. Mau beli barang atau bayar tagihan cukup di satu aplikasi ini.
7. Isi saldo e-wallet (GoPay, OVO, dan DANA) semudah senyum, langsung lewat aplikasi M-Syariah.
8. Bayar Zakat, Infaq, Sedekah, Wakaf, Donasi, dan bahkan Qurban bisa memanfaatkan fitur Donasi dan Amal tanpa perlu keluar rumah.
9. Fitur Berkah Islami untuk memberikan informasi tentang masjid terdekat, arah kiblat shalat, dan berita atau artikel Islami untuk mendukung ibadah sekaligus menambah pengetahuan kita.

Intinya, punya Tabungan Syariah di aplikasi M-Syariah adalah solusi mantap untuk menyimpan uang dengan aman dan banyak keuntungan. Bukan hanya praktis dan mudah, tapi juga lengkap fiturnya--terutama gratis biaya admin bulanan dan kemampuan transfer ke berbagai bank dengan biaya minimal.

  

So, mau hidup produktif dan berkembang sebagai muslim yang diberkahi? Pilihan bijak adalah membuka rekening di M-Syariah sebagai solusi menyiapkan masa depan yang cerah. Momentum Ramadan dan Idulfitri yang belum lama kita alami bisa kita gunakan untuk hijrah menggunakan aplikasi perbankan yang syar'i dan bikin tenang hati. 

Mulai menata masa depan untuk keluarga cinta, sudah sewajarnya dimulai dengan mengunduh dan menginstal aplikasi M-Syariah.

IT WAS a fine noon. The February sun in Gresik was relatively mild that day instead of scorching heat with plain stickiness. The sky was dim with clouds while producing no rain. It was friendly until midday prayer that my visit to the Sanggraloka Batik Bangsawan in Sungonlegowo had become a permanently pleasant experience.

I had the privilege on Thursday (16/02/2023) to visit the Batik Bangsawan production site, accompanied by Nur Kholis, who prefers to be called a workshop leader rather than the founder or a business owner. The conversation went lively while I was watching the batik artisans carve colors on the selected fabrics.

Batik Bangsawan has accelerated the local economy and helped local traditions preserved.

The unique Gresik Batik

If the Bungah District was previously known as a center for the production of national-scale songkok or religious caps, as well as shrimp paste and otak-otak, now Batik Bangsawan has emerged as a unique, prestigious commodity for tourists to bring as a special souvenir. In addition to economic value, every batik product by Nur Kholis comes with a dynamic, fresh design and adopts local culture to maintain tradition.

"In the past, the Bungah area had many songkok craftsmen, even to the national market. But due to a lack of regeneration, this business is no longer lucrative. While the brand exists, the production is actually sub-produced in other cities, including Lamongan," said Nur Kholis when explaining how he came to run the batik business along with his wife.

Kholis and his wife were into the batik business back in 2011 when they were selling various batik products made in different cities including Pekalongan, Central Java, and Madura, East Java. It was not until 2015 that they shifted into batik production under the umbrella of Batik Bangsawan.

“In a batik exhibition a visitor inquired if I had batik of my own, those made in Gresik where I live. That is when an idea sparked for us to have our own batik brand,” Kholis affirmed. 

Together with his beloved wife, he decided to visit several cities known for their batik to learn about it. He started learning how fabrics are selected, the batik techniques, and how to design them seriously by studying one of them from a Sidoarjo artist, Joko Lelono, who is also the head of Sanggar Bening.

The peacock motif by Batik Bangsawan is very attractive

From lompongan to huge success

Since then, Kholis has managed to produce his batik with persistent learning and perseverance. What’s strikingly unique is that he commenced the business from a narrow cubicle in his parents-in-law's house. Local residents call the passage lompongan. It is a narrow and normally elongated empty space that joins two houses in the Javanese villages. Rows of these houses are often inhabited by residents who are still related.

One of the prominent works created in this lompongan is the Suluk Lontar Surowiti. Nur Kholis points out that Batik Bangsawan produces this style of batik ornamentation with intent, inspired by the very popular Javanese philosophy. As for lontar (Borassus flabellifer), it is a palmyra palm tree on which the leaves may be written. 

Surowiti is the name of a village located on the north coast of Gresik. Situated in the hills, the village has also been a part of the long history of the Land of Java. This is where traces of Brandal Lokajaya can be found. He is the son of a Tuban noble who lived as a delinquent and later built himself up with his students to become a very influential figure. He is none other than Sunan (Susuhunan) Kalijaga who has a special place among Javanese people.

The Suluk Lontar Surowiti accommodates the values of Javanese philosophy.

The Suluk Lontar Surowiti batik pattern captures the paramount teachings and ideas of Sunan Kalijaga about the Javanese way of life (suluk) as reflected in the lontar (siwalan) trees that carry philosophical values. 

Benefit value as a priority

From a lontar tree, we learn about creating benefits. The stalk, fruit, and leaves can all be put to good use. The fruit is normally consumed to relieve indigestion problems. The midribs and the leaves are also used, one of which by residents of Rote Island, as traditional roofing materials. Back in the past people used the lontar leaves to contain texts and images to convey messages.

Nur Kholis maintains that making benefits has been a primary value of his business. He aims at contributing positively to society the way siwalan trees provide benefits wherever they are destined to live. This very value is what he is trying to carry through by inviting local youths to become batik artisans in his studio instead of working as laborers in the factories nearby.

“We currently have 5 artisans here in the workshop,” he said in a separate interview. “In addition, there are two printed batik craftsmen and four tailors.” Apart from handmade batik, Batik Bangsawan also produces printed batik to meet the demand of the lower middle market.

The Suluk Lontar Surowiti captures the tremendous lyrics of the famous LIR-ILIR in Hanacaraka.

In order to reduce operational costs, he is not stockpiling batik products since the order has been dominated by customized batik on the basis of customers' requests, including color, design, and motif. 

To support his fellow batik businessmen, Kholis runs a store at the Bungah Market that offers ready-to-wear batik products such as robes for moslem women and or negligees. This way he is not only making profits to support his batik production but also opens up market opportunities for fashion batik producers, one of which is from Pekalongan, Central Java.

Success equals empowerment

While reluctantly mentioning monthly sales figures, Kholis can't deny that Batik Bangsawan is now coming into the spotlight as a widely-known craft business. He currently has an automobile as a business fleet and is constantly taking orders from the corporate market that agree to purchase a piece of batik from IDR 500K to 2 million.

“When we won the first place in the East Java competition lately, kami carried the concept of community development in which the human resources are all from our own village. What matters more is that we adopt local wisdom as the theme of the batik,” said Nur Kholis confirming Batik Bangsawan's victory.

He further claimed that this step is a manifestation of the government's program, namely One Village One Product (OVOP), which the East Java Governor Khofifah Indar Parawansa adapts to become OPOP (One Pesantren One Product).

He is convinced that the OVOP concept works only if SMEs adopt the concept of community development. In the context of Batik Bangsawan, Nur Kholis assures that batik artisans, shopkeepers, photographers, tailors, and photo models are all from one village where the business is located.

Despite the challenge, he would certainly not give up hope. Resembling a siwalan tree that stands tall and lives extremely long while producing fruit regardless of season, he strongly intends that Batik Bangsawan will take youths of Gresik to preserve traditions through the studio and workshop he is running. In this regard, the younger generation won't be tempted to work in the factories nearby due to fresh money to make. Instead, they are encouraged to help with the preservation of local cultural treasures to prevent them from extinction.

The book Kholis is planning to publish in the near future that captures Batik Bangsawan's luxurious batik designs

What he aspires is that the Sanggraloka he is currently running will be able to provide a batik training center as well as own a publishing line. He is currently preparing to publish a book containing 50 designs and motifs typical of Batik Bangsawan with captivating charms that have the potential to bewitch readers as well as batik connoisseurs throughout the archipelago. In this way, Nur Kholis is expecting to boost the local economy while trying to preserve the uniqueness of local culture.

With an initial loan from a government bank, he has been determined to project sustainable balanced growth with independent resources. Batik Bangsawan is expected to grow as a profitable business. It's a balance because profit is the goal, but making a positive contribution to society is in the form of empowerment. Sustainability indicates endless passion to explore traditional values as well as a local heritage to appear in every pattern and design of Batik Bangsawan batik.

From Batik Bangsawan we can draw a very interesting lesson. Boosting the economic level of residents in the rural areas does not always require large capital or flashy ideas. Working on a batik business that is close to us also has proven to be financially potential. In fact, running a business in the village actually allows the adoption of this local wisdom as well as accommodating local workers without having to urbanize.