Khayrmizan represents a full reset of a Sharia cooperative in Indonesia that 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 on stronger foundations, deeper Sharia adherence, clearer governance, and real-time operational visibility.

This reset gives us the opportunity to redefine our long-term vision for sustainability, pursue new strategies to advance pure Sharia principles with greater discipline, clarity, and consistency, and reshape the business model accordingly. It also enable us to establish a lean operating model built around a focused team, supported by modern technology and AI.

Our commitment remains unchanged: to uphold pure Sharia principles, act as responsible stewards, and deliver meaningful benefit to the community we serve — while seeking blessings of Allah in every step.