Supported by the Indonesian Association of Moslem Intellectuals (ICMI) and a group of Moslem entrepreneurs, the founding of Bank Muamalat also won the support of the general public, evidenced by a Rp 84 billion pledge for the purchase of the Bank's shares on the date when the Articles of Association was signed. Thereafter, in a special meeting commemorating the founding at the Presidential Palace in Bogor, West Java, additional pledges from communities in West Java were raised to reach a total of Rp 106 billion.
In an effort to strengthen its capital base, Bank Muamalat solicited for a potential investor, which was responded positively by the Islamic Development Bank (IDB) based in Jeddah, Saudi Arabia. In the Annual General Meeting of Shareholders of Bank Muamalat on June 21, 1999, IDB offi cially became one of the shareholder of BMI. Thus, the period between 1999 and 2002 represents times of challenges as well as triumphs for Bank Muamalat.
During this period, Bank Muamalat succeeded in reversing its fi nancial fortunes from loss back into profi tability. This is achieved through the dedicated hard work of the entire Muamalat Crew, supported by strong leadership, astute business strategy, and strict adherence to the principles of sharia in all aspects of its banking practice.
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