PT BPRS Rif'atul Ummah

What PT BPRS Rif'atul Ummah does

PT BPRS Rif'atul Ummah is inferred from its legal name structure to be an Indonesian Sharia-compliant rural bank. The "PT" prefix denotes "Perseroan Terbatas," the standard Indonesian limited liability company form, and "BPRS" stands for "Bank Pembiayaan Rakyat Syariah" (Sharia People's Financing Bank), a regulated category of small Islamic banks in Indonesia that operate under OJK (Otoritas Jasa Keuangan) supervision and are prohibited from offering conventional interest-based products, instead using mudarabah, musyarakah, murabahah, and other Sharia-compliant contracts. "Rif'atul Ummah" is an Arabic-derived Islamic name meaning roughly "elevation of the community/ummah," consistent with a community- or faith-oriented Sharia microfinance positioning typical of BPRS institutions. No further specifics on its product set, catchment area, asset size, or operating model are present in the supplied material.

The supplied source data does not contain any information about PT BPRS Rif'atul Ummah itself. The only source block available, attributed to pertains entirely to bankbiru.com, a Hebrew-language digital banking comparison and lead-generation platform operated by Intango Ltd, an Israeli digital media company. That source explicitly states: "No information about PT BPRS Rif'atul Ummah was found in the provided sources" and "The source data provided contains exclusively information about bankbiru.com." Consequently, there is no first-party company website content, no regulatory filings excerpt, no news coverage, and no third-party dataset for the target entity to support an analytical description of its products, technology stack, funding, leadership, customer base, or financial performance.

For an investment audience, the practical implication is that this profile cannot be completed from the supplied inputs: PT BPRS Rif'atul Ummah's actual business model (deposit mobilization vs. financing focus, micro vs. SME target market, branch vs. mobile channel mix, murabahah vs. musyarakah product mix), its technology stack (core banking system, mobile app, agent network), its regulatory standing with OJK, and any KPIs (NPL equivalent, DPK, financing portfolio yield) are not evidenced here. Any subsequent diligence would need to source OJK BPRS statistics, the company's annual report, and local Sharia microfinance benchmarks before a defensible investment thesis could be constructed.

Name

PT BPRS Rif'atul Ummah

Website

https://bankbiru.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

PT BPRS Rif'atul Ummah appears to be an Indonesian Sharia Rural Bank (Bank Pembiayaan Rakyat Syariah) based on its legal name structure. No source data on its operations, products, or financials was provided.

Ownership category

akta.pro rank

Product category

Sharia Microfinance Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Islamic SME & Commercial Banking (FSABAGAB)

akta.pro secondary industry

Islamic Retail Banking (FSABAGAA)

Keywords

• Sharia microfinance banking
• People financing bank
• Syariah banking services
• Rural credit banking
• Islamic retail banking

GTM type

B2C

Offering type

Services

Cost components

Personnel

Core offering

No information about PT BPRS Rif'atul Ummah's products or services is available in the source data. The provided sources exclusively describe bankbiru.com, a search aggregator operated by Intango Ltd (Israel), and contain no first-party or third-party details about PT BPRS Rif'atul Ummah's core offering.

Differentiator

Problem solved

Functional benefit

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Broad incumbents

• Bank Panin Dubai Syariah: Mid-sized Indonesian Islamic bank serving retail and SME segments with Sharia products. Directly comparable on Sharia product offering and target customer base, but at a larger scale than a BPRS.
• Bank Mega Syariah: Indonesian Sharia commercial bank offering retail and SME financing under Sharia principles. Comparable business model in terms of Sharia-compliant financing products, but larger balance sheet and broader distribution than a BPRS.
• Bank Syariah Indonesia (BSI): Indonesia's largest Islamic bank, formed from the merger of several Sharia units. Competes with BPRS in retail/SME Sharia financing but at national scale and with a much broader product set, so it anchors the demand environment for small Sharia players like PT BPRS Rif'atul Ummah.
• Bank Muamalat Indonesia: One of Indonesia's established full-service Islamic commercial banks. Comparable to PT BPRS Rif'atul Ummah on the Sharia product framework, but operates at a far larger scale with full commercial banking license versus the BPRS micro-bank charter.
• BCA Syariah: Sharia unit of BCA Group focused on consumer and SME Sharia financing. Comparable product overlap (Sharia retail and SME financing) but with the funding, technology and branch advantages of the BCA ecosystem versus an independent BPRS.

Direct peers

• BPRS Harta Insan Karimah: Indonesian BPRS (Sharia People's Financing Bank) operating with a similar micro/SME Sharia financing focus under OJK supervision. Structurally the closest peer category to PT BPRS Rif'atul Ummah.

Market position

Strengths3 records

Weaknesses3 records

Key risks3 records

Key highlights2 records

Customer concentration

• LinkedInlinkedin.com/company/pt-bprs-rif-atul-ummah

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about PT BPRS Rif'atul Ummah