Hijra is an Indonesian Islamic financial technology group building digital financial services around Sharia principles, with roots in SME financing and an expanding banking offering.
The business began as ALAMI, a Sharia-compliant peer-to-peer lending platform, before broadening its model through the acquisition and digital transformation of BPRS Cempaka Al-Amin into Hijra Bank in 2021. The group was subsequently rebranded as Hijra to reflect a wider financial ecosystem rather than a single lending product. The platform has financed more than US$500 million across thousands of SMEs, giving the business a meaningful operating base as it continues to deepen its role in Indonesia’s Islamic finance ecosystem.
Today, Hijra combines SME financing with digital banking services including savings, deposits, payments, QRIS, home financing and cardless withdrawals. Its approach is to make Sharia-compliant finance part of everyday financial activity, while serving customers who may be underserved by conventional institutions.
