LUBUK PAKAM - A video showing a student coming to BNI Lubuk Pakam using an ambulance and a patient bed is an important reminder for families of recipients of the Indonesia Smart Program (PIP) to understand the stages of account activation before going to the distributing bank.
Account activation is a process to ensure that students have an active savings account. The stages are different from the disbursement of funds because the assistance can only be received after the student is designated as a recipient and the funds are transferred to the account according to the schedule of the Ministry of Basic and Secondary Education.
Referring to the Regulation of the Secretary General of the Ministry of Basic and Secondary Education Number 10 of 2025 concerning the Implementation Guidelines for the Indonesian Smart Basic Education and Secondary Education Program, students who already have an active account can be determined in the Decree of Grant and the funds are transferred to the account.
Meanwhile, students who do not have an active account can be determined in the Nomination Decree and need to complete the account activation process to follow the next distribution phase.
For 2026, the deadline for activating the PIP account lasts until the end of December 2026. Recipients and families still need to pay attention to information from schools and distributing banks so that the activation process can be completed according to schedule and required documents.
The deadline gives families time to prepare the administrative completeness and consider the condition of the learners before activating. However, recipients are still advised not to delay until they are close to the deadline so that there is sufficient time to complete the documents if adjustments are needed.
Another important thing to understand is that the activation of the account does not necessarily mean that the assistance funds can be withdrawn immediately on the same day. The time for disbursement of funds follows the process of determining the recipients as well as the schedule determined by the Ministry of Basic and Secondary Education.
In the context of the video circulating in Lubuk Pakam, the stages that the family has undergone are still related to the registration and activation of the PIP account, not the direct disbursement of funds. Therefore, the recipient family needs to ensure the status of the student, the completeness of the documents, and the information on the disbursement of funds through the school and official channels before going to the bank.
Before activating, students and families are advised to coordinate with the educational unit to ensure the documents that must be prepared. The requirements include the identity of the recipient, the Family Card for a certain level, the activation certificate from the educational unit, and the opening or activation form of the account according to the provisions of the issuing bank.
The completeness of the documents is needed so that the bank can verify the identity and suitability of the data before the account is activated. After the verification process is complete, the recipient will receive the account facility according to the applicable mechanism.
The active account is then used to receive PIP funds after the student is determined as a recipient and the funds are disbursed by the ministry. Thus, the time for funds to enter the account is not determined based on the date of activation of each student.
Students who already have an active account can be determined in the SK Pemberian and receive a transfer of funds. As for students who do not have an active account, they need to complete the activation process before participating in the next distribution stage.
Account activation can be done directly by the recipient or parents and guardians according to the level of education. In certain conditions, activation can be done through a power mechanism by the head of the education unit.
This authority, in accordance with applicable requirements, can be substituted for teachers, education personnel, or heads of other educational units. This mechanism can be used, among others, when participants are not able to come directly because of illness, disability, being in a difficult-to-reach area, or facing other special conditions.
In addition to the mechanisms regulated in the PIP provisions, each distributing bank can have a service procedure for customers with special health conditions or needs. Therefore, families are advised to first contact the distributing bank or the nearest branch office so that the appropriate form of service can be prepared.
Through coordination and previous appointments, banks can explain the available service options, documents that need to be prepared, and the possibility of providing services outside the office according to each bank's procedures. Implementation still considers provisions, security aspects, verification requirements, officer readiness, and customer protection.
The family also needs to ensure whether the student is still a prospective recipient, has been designated as a recipient, or the funds have been deposited into the account. This information can be obtained through schools, official channels of the Ministry of Basic and Secondary Education, and the distributing bank.
Understanding the difference between account activation, determination of the recipient, disbursement of funds, and disbursement is important so that families can undergo the PIP process properly. By ensuring the status of the recipient, completing the documents, and coordinating with the school and the bank distributor, the service can be prepared more safely, comfortably, and in accordance with the conditions of the students. (ADV)
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)
