Cirebon, 15 December 2015 – Focused and consistent in serving the lower-income segments of society, as well as Micro, Small & Medium Enterprise (MSME) entrepreneurs, PT Bank Tabungan Pensiunan Nasional Tbk (BTPN) believes that direct engagement in empowering customers is key to the growth of top quality and sustainable business performance.
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 these two missions is reflected through Daya.Daya is a training program conducted by BTPN on a measurable and sustainable basis and is available to all BTPN customers comprised of pensioners, MSME 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 small & medium enterprise entrepreneurs, as well as BTPN Sinaya - the funding business unit of BTPN. Furthermore, Daya is also applied in the BTPN subsidiary BTPN Syariah, which focuses on serving productive poor communities.
“The Daya Program, which provides training and information to customers to help them improve their capacities, is held regularly by BTPN at all its branches. BTPN is well aware that people in these segments not only require financial access, but also training and guidance to upgrade their capacities,” said Eny Yuliati, Corporate Communications Head of BTPN.
The Daya Program has been proven to have a positive effect on improving customers’ capacities. Results of research conducted by the Faculty of Management and Business of the Bogor Agricultural Institute (MB-IPB) together with BTPN showed a positive correlation between the frequency that 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,” Eny added.
Moreover, all members of society can now enjoy the opportunity of sharing and interacting directly with mass market customers. Through the Sahabat Daya Program, BTPN offers BTPN Sinaya customers the chance to engage with and empower on a first-hand basis lower-income people as well as MSME entrepreneurs.
“Sahabat Daya is a pioneering program which seeks to invite all BTPN stakeholders to participate directly in the mission of empowering the mass market. Through the Sahabat Daya Program, our customers get to share their knowledge and experiences through training for mass market customers,” Eny continued.
In this way, customers who deposit their funds in BTPN Sinaya are also opening up access to capital for MSME entrepreneurs while helping them to make their businesses flourish. BTPN Sinaya is proud to offer this new concept in banking in which its customers’ savings not only grow in value and offer them unparalleled benefits but, at the same time, offer empowerment opportunities to millions of people with great potential across the vast nation of Indonesia.
The consistency BTPN shows in fostering a more prosperous and equitable society is also mirrored in the results it achieves. Put simply, BTPN is increasingly gaining public trust, as seen in its performance in the third quarter of 2015, especially in terms of third party funds (TPF). As of 30 September 2015, the value of public deposits in BTPN Sinaya stood at Rp 59 trillion, up 12% from the figure in the same period last year of Rp 52.6 trillion.