JAKARTA - Director of Sales & Distribution of PT Bank Syariah Indonesia (Persero) Tbk (BSI) Anton Sukarna revealed that around 2 million active BSI customers have the potential to participate in the BSI Umrah Savings program which has just been launched.
His party is trying to maximize the size of the company's customer base to be converted into prospective umrah pilgrims through various approaches and proactive strategies for Islamic financial literacy.
"We have approximately 21 or 23 million customers, which God willing, if we count, maybe 10 percent of them are able to perform the umrah. We may have around 2 million people that we can manipulate (push) to go on the umrah," said Anton Sukarna in Jakarta, quoted by Antara, Tuesday, February 24.
He stated that the release of the new savings product was in line with the trend of increasing and dynamic demographic shifts in the umrah travel market. The umrah travel market is now moving to target younger age segments and is no longer dominated by the Baby Boomers Generation.
There is a very rapid trend of spiritual travel among Millennials and Gen Z, along with the strengthening of the halal lifestyle.
The young generation positions umrah not only as a routine worship, but as part of religious tourism where they plan early.
"Halal lifestyle (halal lifestyle) is now a lifestyle, including umrah and religious tourism. This is an opportunity for banks to facilitate or bridge the desire for worship with mature and safe financial planning," said Anton.
To optimize this potential, his party has taken a strategy of approaching the younger generation through increasing financial literacy and strengthening education related to financial planning.
He said that in the initial stage, the company targeted the launch of the umrah savings product to be able to attract more than 1 million customers to register, which is believed to contribute significantly to the growth of cheap funds and the liquidity of the company.
The company recorded a 16.20 percent year-on-year (yoy) growth in third-party funds (DPK) to Rp380 trillion as of December 2025, with the proportion of cheap funds (CASA) reaching 61.62 percent, or Rp234 trillion. Savings growth was recorded at 15.7 percent yoy to Rp162.63 trillion.
"With this initiative, BSI is optimistic that it can expand the scope of Islamic financial inclusion while supporting the birth of a younger generation that is more spiritually and financially prepared," said Anton.
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