14 September 2014


BANDUNG: Harian Bisnis Indonesia (Indonesian Business Daily) together with PT Bank Tabungan Pensiunan Nasional Tbk (BTPN) organized a discussion on opportunities and challenges for the business world in the era of the new Joko Widodo and Jusuf Kalla government. This discussion, which was attended by dozens of business people, was moderated by Arif Budisusilo in his role as Editor-in-Chief of Harian Bisnis Indonesia, and featured Hendri Saparini, an economist from CORE Indonesia, as well as Anika Faisal, Director of BTPN, as speakers.

In the discussion that took place at the Dago branch of BTPN Sinaya, the CORE Indonesia economist Hendri Saparini declared that Indonesian entrepreneurs must be ready to face the launch of the ASEAN Economic Community (AEC) in 2015. To this end, effective strategies are required so that business people on all levels are able to take advantage of AEC market opportunities in an optimal fashion. One of the constraining factors for potential business people in developing micro and small enterprises in Indonesia is a difficulty in accessing capital. In light of this, the support of the banking sector is sorely needed to help develop these business segments.

At the same occasion, Director of BTPN Anika Faisal expounded on the BTPN business model that focuses on serving and empowering the mass market segment, which is composed of pensioners, micro & small entrepreneurs, as well as productive poor communities. By means of this business model, BTPN not only provides access to capital, but also enhances the capacities of its customers through the Daya Program.

BTPN’s funding mechanism and services form part of its business unit BTPN Sinaya, in which BTPN Sinaya customers not only get optimal returns, but also have the opportunity to empower segments of their own society.

“BTPN Sinaya offers a new perspective in banking, as the funds collected through Bank Sinaya are distributed to low-income communities, as well as micro and small enterprises, in the form of loans. Moreover, Bank Sinaya also offers an opportunity to all its savers and depositors to participate in the Sahabat Daya Program. This program opens up avenues for savers and depositors to share and interact directly with mass market customers,” explained Anika



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.