S

Sono Sahabat

by Bank of Bali

Halal Micro-investing

Investasi Syariah, mulai dari Rp 50 ribu.

Sono Sahabat gives Muslim women access to Sharia-screened stocks (Jakarta Islamic Index), government sukuk, and physical gold — bundled in three simple 'sister portfolios' curated by MUI-certified advisors.

  • Only stocks in JII (Jakarta Islamic Index) — zero riba, zero forbidden industries
  • Government sukuk (SBSN) for stable income — backed by the state
  • Female Sahabat advisor via WhatsApp — the sister you always wanted in finance
  • Weekly Zoom "coffee chats" — build a community, not a spreadsheet
  • No performance fees. 0.5% annual management fee only.

Free to join. Halal. Non-custodial connectivity to Bank of Bali. See our privacy policy.

623 sisters growing wealth halal

Questions from our sisters

How is this different from Ajaib Syariah or Bibit Syariah?

Same regulatory framework, but Sono Sahabat pairs every new investor with a real female advisor. You are never alone with a robot — a sister walks you through your first month.

Which three portfolios can I choose?

Sahabat Stabil (60% sukuk + 40% JII stocks), Sahabat Seimbang (50/50), Sahabat Tumbuh (30% sukuk + 70% JII stocks). All screened by a MUI-certified sharia board.

Is there a lock-up?

No. Withdraw any time, funds hit your bank in 2 business days for stocks, same day for sukuk.

What if I lose money?

Sharia investment still carries risk — but not gambling. Historical annualized returns for Sahabat Seimbang: 7-11%. Your capital is preserved as long as the market operates normally.

Do agents get commission on my losses?

Never. Agents earn a small referral bonus only when you sign up, and a share of the 0.5% management fee — meaning they only make money if you stick around and grow.