JAKARTA - The last Government Securities in 2024, namely Sukuk Tabungan series ST013, have finally been officially released by the Government. The instrument, which is classified as State Sharia Securities (SBSN), will be offered during the offering period from November 8 to December 4, 2024. There are two types of ST013 products that can be purchased at Bibit, namely ST013-T2 with a coupon of 6.40 percent per year and a tenor of two years and a ST013-T4 with a coupon of 6.50 percent per year with a tenor of four years.
Not much different from its predecessor, namely ST012 which was issued April 26-May 29, 2024, ST013 has coupons with floating with floor yields. This is what is interesting because the type of coupon makes the yield of ST013 increase if the benchmark interest rate of Bank Indonesia (BI) increases.
Then what if the BI benchmark interest rate drops? Don't worry, the yield from ST013 will not go down because it will remain on the limit of the minimum yield, namely, 6.40 percent per year for ST013-T2 and 6.50 percent per year for ST013-T4. So it can be said that ST013 has yields or returns that can go up, but ANTI falls, so it is quite low risk when there is uncertainty in economic conditions.
Bank Indonesia Governor Perry Warjiyo in a working meeting with Commission XI of the Indonesian House of Representatives in early November 2024 stated that BI opened the opportunity to lower interest rates in 2025. Even though we know that the BI interest rate has decreased from 6.25 percent in April 2025 to 6 percent in October 2024. From this, ST013 investment will be the best choice because it will still be profitable when interest rates rise and even though interest rates will fall in the future.
Meanwhile, Head of Marketing Bibit.id, Angie Anandita Tjhatra, stated that ST013-T2 or ST013-T4 is a type SBN that is able to bring yields every month. From here, ST013 investment can be an alternative medium-term safe and attractive revenue.
"In the midst of the uncertainty of current economic conditions, either due to the transition of domestic government or unstable geopolitical conditions, ST013's investment is able to provide optimal calm and profit. This is because ST013 is low in risk, with yields that can go up but anti-down. In addition, ST013 also has a higher return from lower tax deposits and is safe because it is guaranteed by the state," said Angie, Thursday, November 14.
ST013 does have higher returns when compared to deposits guaranteed by LPS (only 4.25 percent). ST013's revenue investment is even greater because of lower taxes than deposits (20 percent deposit tax, only 10 percent tax on ST013). Not only safe because there is a 100 percent guarantee by the state, but this ST013 investment is also halal because it is supervised by the MUI National Sharia Council (DSN-MUI).
Purchases and orders for ST013 in Bibit can be made online 24 hours/7 days. Purchases can also be made during weekends and holidays. To buy ST013-T2, the minimum required funds is only IDR 1 million and a multiple of IDR 1 million with a maximum of IDR 5 billion. Meanwhile, the purchase of a minimum of ST013-T4 is IDR 1 million and a multiple of IDR 1 million with a maximum of IDR 10 billion.
Although ST013 cannot be traded in the secondary market, this institution has an early reduction facility that can allow investors to disburse a maximum of 50 percent of their investment before maturity. So for example, the ST013-T2 investment with a minimum nominal value of IDR 2 million, it can be disbursed a maximum of 50% after one year (on October 24-3 November 2025). Meanwhile, ST013-T4 can be disbursed a maximum of 50 percent after two years (on October 26-5 November 2026).
Bibit.id has continuously gained trust from the public as the leading distribution partner for the sale of Government Securities (SBN) in Indonesia. Even in December 2023, Bibit received four prestigious awards at once from the Ministry of Finance of the Republic of Indonesia. The four awards that Bibit received were Best Retail SUN Distribution Partners in 2022, Best Retail SBSN Distribution Partners in 2022 and 2023 Fintech Category and Best Retail SUN Midist in the Fintech Category in 2023. In addition, Bibit also routinely becomes the midist of the fintech category which records the largest sales for various SBN series.
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On the other hand, Bibit also won the WealthTech of the Year award at the 2024 Asia FinTech Awards. In the award, Bibit defeated four other finalists from Singapore, including Bank of Singapore, Moomoo Singapore, RealVantage, and Syfe. In this ST013 investment, Bibit also provided promotions in the form of cashback which is fairly attractive. So for investors who bought ST013 in Bibit in the period 8-20 November 2024, they will get cashback of up to Rp45 million, "added Angie.
When purchasing, Bibit presents convenience where investors can do it via smartphone for 24 hours a day and seven days a week. To order ST013, investors simply click on the State Securities' (SBN) icon or banner on the Bibit application homepage. Related to this, Bibit also partners with Stockbit Sekuritas to manage the recording and storage of investor-owned SBN Investor Fund Accounts. Investors will receive transaction evidence in the form of Proof of State Revenue (BPN) after making payments for SBN transactions. In the BPN, investors can find State Revenue Certificate Numbers (NTPN) issued directly by the state and become proof of the ownership of the purchased SBN.
Finally, it should be noted that the purchase of ST013 in this Bibit is free of charge. The disbursement of coupons itself will be made every month directly to RDN Wallet so that users can easily invest it again, "concluded Angie.
The English, Chinese, Japanese, Arabic, and French versions are automatically generated by the AI. So there may still be inaccuracies in translating, please always see Indonesian as our main language. (system supported by DigitalSiber.id)
