The Daya Program Enhances Capacities of MSEs in Batam

Batam, 16 January 2015 – Focused and consistent in serving and empowering lower-income segments of society, including pensioners and micro & small enterprise (MSE) entrepreneurs, as well as productive poor communities (mass market), PT Bank Tabungan Pensiunan Nasional Tbk (BTPN) believes thatits direct involvement in empowering its customers is the key to achieving top-quality and sustainable business performance growth.

To realize this, BTPN has implemented a business model that integrates its social and business missions in terms of its products, services, and everyday activities. The synergy between both these missions is reflected through ’Daya’. Daya is a measured and sustainable empowerment program initiated by BTPN. Daya is open to all BTPN customers comprised of pensioners, micro, small & medium enterprise entrepreneurs, as well as productive poor communities.

Daya consists of the following three program pillars: Daya Sehat Sejahtera, Daya Tumbuh Usaha, and Daya Tumbuh Komunitas. Daya is integral to each of the BTPN business units, namely BTPN Purna Bakti - the business unit focused on serving pensioner customers, BTPN Mitra Usaha Rakyat (MUR) - the business unit focused on serving micro & small enterprise entrepreneurs, BTPN Mitra Bisnis - the business unit that serves medium-scale entrepreneurs, as well as BTPN Sinaya - the funding business unit of BTPN. In addition, Daya is also applied in the BTPN subsidiary BTPN Syariah which focuses on serving productive poor communities.

“On a routine basis, at all its branches, BTPN stages Daya Program activities which provide training and information aimed at enhancing the capacities of its customers. BTPN is fully aware that in order for the mass market segment to grow and develop, it not only requires financial access, but also training and guidance to improve its capabilities,” said Hendra Fauzi, Branch Manager (BM) BTPN MUR of the Batu Aji, Batam branch.

The Daya Program has been proven to have a positive impact on the enhancement of customers’ capacities. The research that was conducted by Management and Business IPB (MB IPB) and BTPN have shown a positive correlation between the frequency with which customers attended training programs, and increases in turnover and reductions in operational costs for their businessess. ”Disciplined customers who put their financial training into practice in running their businesses get to experience the direct benefits of the Daya Program training,” Hendra continued.

In the Daya Tumbuh Usaha (Daya Business Growth) training session held that day, BTPN Mitra Usaha Rakyat in Batam offered three sub programs, namely practical entrepreneurial training, business information and services, as well as micro-franchise opportunities. ”We continually adapt the modules or curriculums that we teach to the needs of our customers, so that the program provides as many benefits as possible to our customers,” Hendra said.

On a national scale, during the period from January – September 2014, BTPN organized 100,520 Daya activities, a 69% increase from the same period the year before. Meanwhile, the number of customers or beneficiaries participating in the Daya program reached 1,303,301, a rise of 23%. This data shows the high level of interest that customers have for growing together with BTPN.


For further information, please contact:
PT Bank Tabungan Pensiunan Nasional Tbk
Eny Yuliati – Corporate Communications Head
Telp: 021 – 30026200

An Overview of BTPN

BTPN is focused on serving and empowering the mass market segment, which is comprised of pensioners, as well as small & medium enterprise entrepreneurs. Through  Daya program, a measured and sustainable mass market empowerment program, BTPN provides training and information on a regular basis to enhance the capacities of its customers, thereby allowing them a chance to grow and improve their lives. As of September 2014, BTPN had total consolidated assets of Rp 71.7 trillion, up 8% (year on year/yoy). Its capacity adequacy ratio (CAR) of 23.6% is one of the highest in the Indonesian banking sector.

Date Published: 16 January 2015