Ramadan is More Meaningful with Proper Financial Planning

JAKARTA - Ramadan is a moment of reflection and spiritual growth that is important, in the midst of the daily fasting routine. Various activities, ranging from preparing sahur and breaking the fast, sharing traditions, to planning homecoming and Eid celebrations, make this holy month a period with a distinctive dynamic. In line with this, in 2025, the Central Statistics Agency (BPS) recorded that economic activity and financial transactions in Indonesia increased by around 30-40 percent during Ramadan, reflecting the high movement and productivity of the community in this period.

On the other hand, the Snapcart survey in 2025 showed that 75 percent of people predicted their spending would increase throughout the fasting month, especially for food, clothing, and Lebaran preparations. Social activities such as breaking the fast together and ngabuburit also remain an important part of Ramadan, with 62 percent of Indonesian people expressing an interest in participating in these activities and allocating their budgets in the range of Rp. 1-3 million during Ramadan.

In line with this behavioral change, Bank Indonesia also noted the acceleration of the use of non-cash transactions, where the volume of QRIS transactions during Ramadan and Eid al-Fitr 2025 grew by 111 percent per user on an annual basis. This momentum is also supported by the receipt of the Eid Allowance (THR), which is used by the community for various needs, ranging from savings, distribution of zakat, infak, alms, and waqf (ZISWAF), shopping, consumption activities, to preparation for homecoming.

The Ministry of Transportation noted that 154.62 million people traveled home during Lebaran 2025, equivalent to 54.9 percent of the total population of Indonesia, confirming the high movement of the community during that period. The use of public transportation also increased by 11.7 percent compared to the previous year, with trains and sea transportation being modes that recorded significant growth.

These various facts confirm that Ramadan is not only a personal spiritual moment or building togetherness, but also an important period in managing one's finances. Facing various needs and desires that need to be met, the presence of relevant financial solutions is increasingly needed to help people manage the fulfillment of Ramadan needs and desires more wisely, maintain financial balance, and live a holy month more calmly, comfortably, and full of meaning.

Therefore, wise financial planning is the key to living every moment more calmly and meaningfully. Through the #RamadanMoreBlessed series, Danamon presents a variety of financial solutions designed to support ease of transaction, financing flexibility, to future planning, so that people can focus more on living the essence of Ramadan comfortably and meaningfully.

Waiting for the time of breaking the fast or ngabuburit is a moment that shows a sense of togetherness before and until the moment of breaking the fast together with family and friends. In the midst of this tradition, the ease of transacting together with attractive promotions is an important part of celebrating togetherness.

Danamon presents cashback of 50 percent up to a total of IDR 50,000 per customer for QRIS payment transactions through the D Bank PRO application, which can be enjoyed every day from 17.00-19.00 WIB, 18.00-20.00 WITA, and 19.00-21.00 WIT at various merchants, giving a small touch that is fun when buying snacks, breaking the fast dishes or other activities to accompany the customer's ngabuburit time.

Not only that, during Ramadan, Danamon also presents various transaction facilities to support the increasingly dynamic community activities, ranging from Rp25,000 cashback to top up e Money Mandiri to the convenience of purchasing fuel with QRIS D Bank PRO cashback up to Rp100,000. Not only that, Danamon also provides cashback up to Rp100,000 for online shopping on e-Commerce using Danamon Virtual Account and for the purchase of hampers and bread shopping at Holland Bakery, there is cashback up to Rp50,000, so customers can enjoy the flexibility of transactions while completing moments of family togetherness more comfortably and efficiently.

To complete the transaction experience during Ramadan, D Bank PRO presents various supporting features, including Group Transfer which makes it easier to share costs with the family. Togetherness is also felt with a 15 percent discount offer at Bottega Ristorante and 10 percent at Kedai Sirih Merah for Danamon Debit, Credit, and Charge Card holders, so that every moment at the dinner table can be enjoyed more warmly and meaningfully.

In addition to worship, moments of togetherness with family can be complemented with fun entertainment. Through the m.tix application, customers can enjoy a 50 percent discount promo of up to IDR 40,000 for the purchase of Cinema XXI studio Deluxe tickets via m.tix every Saturday. To support greater needs ahead of Eid, Danamon presents 0 percent installment facilities for up to 12 months through the My Own Installment (MOI) feature in D-Bank PRO, which can be used at various merchant options. This flexibility helps customers manage their spending more wisely, including for the need to return home, without reducing the meaning of sharing.

Ramadan is also the right moment to start a new financial step. Through the New FX D-Bank PRO program, customers have the opportunity to receive cashback of up to IDR 50,000 for opening a Danamon LEBIH PRO account and foreign exchange purchase transactions at D-Bank PRO until June 30, 2026, as well as access to purchase Mutual Funds directly at D-Bank PRO with cashback up to IDR 1 million per month. This simple step in the holy month can be the beginning of better financial planning in the future.

Homecoming is a special moment to reunite with family on Eid. To support travel and needs during Ramadan until Lebaran, Danamon presents a savings promo of up to IDR 50,000 in Grab services, including GrabFood for practical breaking the fast and GrabDineOut for reservation of breaking the fast place. For travelers who use private vehicles, there is cashback of up to IDR 80,000 per month for filling up fuel at BP gas stations until April 30, 2026.

Travel protection is also equipped through a 30 percent discount on Zurich Travel Insurance premiums with the HEMAT_2026 promo code which can be accessed through D Bank PRO, and can be applied for comprehensive protection of domestic and international travel. Thus, homecoming with family can be passed with peace of mind that focuses on the happiness of meeting the family, not on the concerns that may occur.

The #RamadanLebihBerkah series is presented as a loyal friend in supporting every step from the beginning to the end of the holy month. From sweet takjil at iftar, the warmth of gathering with family, to happiness when returning home, all can be lived more comfortably and calmly.

Ivan Jaya, Consumer Funding & Wealth Business Head of Danamon explained, through #RamadanLebihBerkah, Danamon interprets the blessings of Ramadan as a moment to share and support each other.

"With proper planning, people can spend Ramadan more calmly. This program is present as a financial partner for various needs during Ramadan, from the moment of breaking the fast to the homecoming trip, so that customers can worship and be more comfortable," he explained.

Terms and conditions apply. For more information about the #RamadanMoreBlessings program, visit www.danamon.co.id/site/ramadan-2026. For information about other Danamon products and services, customers can

visit Danamon's official website at www.danamon.co.id or contact Hello Danamon at 1-500-090 as well as Danamon's social media on Bank Danamon for YouTube, Facebook, and Tiktok, @mydanamon for Instagram, and @danamon for X.