05 June 2018

MSME Empowerment through Digital Technology

Semarang, 5 June 2018 – With the focus is to serve and empower the pensioners, micro, small and medium enterprises (MSME), and the mass market segment, PT Bank Tabungan Pensiunan Nasional Tbk (BTPN) believes that customers do not only need access for financing to increase their quality of life, but they also need training and accompaniment for a better life.


Therefore, since 2011 BTPN has developed a sustainable and measurable empowerment program to increase the customer’s capacity through the Daya Program. Daya Program becomes the unique value proposition (UVP) that makes BTPN different from other banks.


“Daya is applied to all BTPN business units and its subsidiary BTPN Syariah, as part of the integrated business model. Daya training and accompaniment are not limited to financial problems but also to tips on improving business, expanding market network, serving customers and things such as living a healthy lifestyle,” said Andrie Darusman, BTPN Daya Head.


In line with its vision to making a difference in the lives of millions of Indonesians powered by digital technology, BTPN has consistently innovating and transforming its services so that they are relevant to the customers. The innovation is created through new digital-based products. Meanwhile the transformation is done through changing the customer services concept from bank-centric to customer-centric. The changes were reflected in the digitalization of its existing businesses including Daya.


Through the, Daya Program can be accessed digitally so that the customers training and accompaniment activities are wider and more effective. “ was created from the customers’ need to get information access on business and health in a quick and easy way according to their business scale and needs. Therefore, customers will no longer need to come to branch offices to join the training but they can access various information, tips and training through anywhere, anytime,” said Andrie. has various features including Tips and Latest Info which consist of practical articles on business and health; Online Training which comprise of modules/training materials in short videos and presentation slides by experts in business and health; Ask the Expert which facilitates question and answer session by experts; Business Opportunity which consists of business and franchise information sources for those looking for business opportunities; as well as Success Stories which comprise of inspirational stories from business in gaining success.

For further information please contact:


PT Bank BTPN Tbk
Andrie Darusman – Communications & Daya Head
Email: [email protected] or [email protected]


Bank BTPN in brief

PT Bank BTPN Tbk (Bank BTPN) is a foreign exchange bank and is a merger between PT Bank Tabungan Pensiunan Nasional Tbk (BTPN) and PT Bank Sumitomo Mitsui Indonesia (SMBCI) in February 2019. Bank BTPN serves various segments in the banking industry, from retail to corporate customers, including retirees, micro-, small- and medium-sized enterprises (MSME) and productive underprivileged communities; the consuming class segment; and the corporate segment. Bank BTPN provides the services through business units, such as BTPN Sinaya—a business unit for wealth management, BTPN Purna Bakti—a business serving retirees, BTPN Micro Business—a business unit serving microbusinesses, BTPN Business Banking—a business serving small- and medium-sized enterprises, Jenius—a digital banking platform serving the consuming class segment, and the corporate business unit, which serves national, multinational, and Japanese companies. Bank BTPN also has a subsidiary, namely PT Bank BTPN Syariah Tbk, which focuses on serving productive underprivileged customers. Bank BTPN also regularly provides training sessions and information for customers through the Daya Program—a sustainable and measurable empowerment program—to improve customers’ capacity so they can grow and have a chance to live better.