Our services will be available soon.
While human civilization advances toward ever-greater modernity and sophistication, we are returning our business principles and foundations to their Sharia roots.
The Khayrmizan brand represents a full reset of BMT Al-Bayan, which has come through a challenging chapter. Although we continue to uphold all responsibilities and liabilities to our customers, we are deliberately breaking from past ways of operating in order to rebuild the institution completely.
This reset gives us the opportunity to redefine our long-term vision for sustainability, to pursue new strategies that advance pure Sharia principles with greater discipline, clarity, and consistency, and to reshape the business model accordingly. It also enables us to establish a lean operating model built around a focused team.
Our commitment remains unchanged: to uphold pure Sharia principles, act as responsible stewards, and deliver meaningful benefit to the community we serve — while seeking the blessings of Allah in every step.
Upholding pure Sharia principles as taught by leading classical scholars and aligned with MUI fatwas, Khayrmizan implements non-usurious investments and transactions and prioritizes fairness in the rights and obligations of all parties involved.
Governed by clear guardrails under our Sharia Supervisory Board, our products will follow distinctive business models that ensure fairness and ethical conduct in every transaction.
Sound Sharia practice depends on transparent, auditable, real-time processing. Our lean operating model is powered by modern technology and AI to make that possible.
Supporting tools grounded in Islamic principles are coming soon.
Khayrmizan, by BMT Al-Bayan, is built for a community that lives by Sharia principles.
In line with Indonesian cooperative regulations, it serves a curated, closed-loop community — open to members regardless of religious background.
