12 March 2015


Semarang, 12 March 2015 – Focused and consistent in serving lower-income communities, as well as micro, small & medium enterprise (MSME) entrepreneurs, PT Bank Tabungan Pensiunan Nasional Tbk (BTPN) believes that direct engagement 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 measured and sustainable empowerment program initiated by BTPN. Daya is open 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 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 Aris Pandan Setiawan, Area Business Leader Semarang.

The Daya Program has been proven to have a positive impact on the enhancement of customers’ capacities. Results of research 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 businesses.

In the Daya training session held on this day, BTPN Mitra Usaha Rakyat at the Johar Semarang branch offered programs including practical entrepreneurial training, business information and services, as well as micro-franchise opportunities. ”We continually adapt the modules and curriculums that we teach to the needs of our customers, so that the program provides them with as many benefits as possible,” Aris continued.

Over 2014, BTPN organized 143,227 Daya activities, a 59% increase from the same period the year before. Meanwhile, the number of customers or beneficiaries participating in the Daya program reached 1,770,299, a rise of 16% from the same period in 2013. This data shows that our customers have a strong desire to grow together with BTPN. 



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.