Pemerintah secara resmi telah membuka masa penawaran Sukuk Tabungan Seri ST014 kepada masyarakat investor individu Warga Negara Indonesia secara online melalui platform mitra distribusi. Masa penawaran ST014 akan berlangsung sejak tanggal 7 Maret sampai dengan 16 April 2025.
ST014 diterbitkan dalam dual tranches, yaitu Seri ST014T2 yang memiliki tenor 2 tahun dengan menawarkan tingkat imbalan atau kupon tetap sebesar 6,50% per tahun. Sedangkan Seri ST014T4 memiliki tenor 4 tahun, dan menawarkan tingkat imbalan tetap sebesar 6,60% per tahun.
Penjualan ST014 secara online memberikan kemudahan akses bagi masyarakat dalam berinvestasi di Surat Berharga Syariah Negara (SBSN) ritel yang ditujukan untuk semua generasi, sekaligus mendukung terwujudnya keuangan inklusif melalui instrumen investasi yang terjangkau. Jumlah minimal pembelian Sukuk Tabungan sebesar Rp1 juta.
ST014 diterbitkan dalam dual tranches, yaitu Seri ST014T2 yang memiliki tenor 2 tahun dengan menawarkan tingkat imbalan atau kupon tetap sebesar 6,50% per tahun. Sedangkan Seri ST014T4 memiliki tenor 4 tahun, dan menawarkan tingkat imbalan tetap sebesar 6,60% per tahun.
Penjualan ST014 secara online memberikan kemudahan akses bagi masyarakat dalam berinvestasi di Surat Berharga Syariah Negara (SBSN) ritel yang ditujukan untuk semua generasi, sekaligus mendukung terwujudnya keuangan inklusif melalui instrumen investasi yang terjangkau. Jumlah minimal pembelian Sukuk Tabungan sebesar Rp1 juta.
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TVTranscript
00:00Hello viewers, how are you today?
00:23Live from IDX Channel Jakarta, I am Prasetyo Wibowo,
00:26back again in Market Review,
00:28a program that deals with the issues that are the driving force of the economy in Indonesia.
00:32You can also watch our live streaming at idxchannel.com.
00:35And now, let's start the full Market Review.
00:39ST14 T2 TENOR
00:46The government has officially opened the ST014 series savings account
00:51or ST14 to the individual investor community in Indonesia.
00:56ST14 is distributed in two tenors,
00:59the ST14 T2 series which has a two-year tenor
01:04and the ST14 T4 series which has a four-year tenor.
01:12The government has officially opened the ST014 series savings account
01:17to the individual investor community in Indonesia online
01:21through Mitra Distribusi platform.
01:24The ST014 savings account will be distributed from March 7 to April 16, 2025.
01:31ST014 is distributed in two tenors,
01:34the ST014 T2 series which has a two-year tenor
01:37and offers a 6.50% annual savings or coupon rate.
01:42While the ST014 T4 series has a four-year tenor
01:45and offers a 6.60% annual savings rate.
01:51The sale of ST014 online then provides access for the public
01:54to invest in state-owned securities or SBSN Retail
01:59which is intended for all generations
02:01as well as supporting the existence of inclusive finance
02:03through affordable investment instruments
02:05where the minimum purchase is 1 million rupiah.
02:09The purpose of the ST014 savings account is to expand the base of domestic investors
02:14by providing a safe and profitable investment alternative
02:18as well as supporting the development of the national financial market.
02:21And in addition to planting the habit of investing since childhood,
02:25the ST014 savings account is also to fulfill part of the NAPBN 2025 payment
02:29and contributes to the continued development.
02:32From Jakarta, Team Liputan, IDEC Channel.
02:39Yes, Pemirsa, to discuss our interesting topic today,
02:42the ST14 is a valuable choice for the smart generation to invest.
02:46We have been connected through Zoom with Mr. Suharyanto.
02:49He is a cash subdivision analyst for the financial and SBSN market,
02:52Directorate General of Management, Investment and Risks of the Ministry of Finance.
02:56Hello, Mr. Suharyanto, how are you?
02:58Good morning.
03:00Thank you for your time, Mr. Suharyanto.
03:03And before we discuss further,
03:05this state-owned equity has been issued since 2008
03:08and retail equity has been issued since 2009.
03:12How many state-owned equity have been issued by the government so far?
03:19Yes, thank you.
03:21So, since it was issued in 2008 for state-owned equity,
03:27and in 2009, starting from retail equity,
03:31Alhamdulillah, the state-owned equity has contributed
03:35as much as Rp 2,985 million
03:39and there has been a time of Rp 1,300 million
03:43and currently, the outstanding is Rp 1,656 trillion.
03:49So, Alhamdulillah, the contribution is quite large
03:54in terms of our state-owned equity.
03:58Okay, so what is the background of this ST14 complication, Mr. Suharyanto?
04:03Yes, it is not separated from the annual and mid-year equity strategy.
04:09So, the so-called state-owned equity
04:14is part of the government's innovation
04:18to provide infrastructure
04:21from various sectors,
04:23education sector, health sector, and many more.
04:29And of course, this is a part that we need to appreciate
04:35because this equity has become part of the financing in our country.
04:42Okay, so it has become one of the financing models in Amanati
04:47because it is guaranteed by the government, right?
04:50Yes, that's right.
04:51Okay, if we talk about any projects that have been financed by the SPSN,
04:57how is the benefit of the project to the public until now?
05:03Yes, so since 2025,
05:07we have listed more than 7,000 projects
05:12that are distributed from Sabang, Gamauke,
05:15from various regions, from various provinces.
05:19Among them, there is the development of roads and bridges
05:23in various provinces of our country.
05:26For example, one of them is the connection
05:29between Balikpapan-Penajam-Pasar Utara.
05:33Then there is also a railway connection
05:36between Trans-Sulawesi-Makassar-Pari-Pari.
05:41There is also a double track in the Java region,
05:45Cirebon-Kroya, Solo, Magiun-Jombang.
05:48Then for the airport, the port,
05:51there is also, for example, in North Sumatra,
05:55there is the Amplas terminal,
05:57there is also in North Maluku, Wamena.
06:01Then there is also in Southeast Sulawesi.
06:03Then also for water resources,
06:06we see in North Maluku,
06:08there is a dam on the Sofik beach,
06:11there is also a dam in Badung, Bali.
06:14Then also, for example,
06:17for the need for revitalization of the KUA
06:20and the Khaji Mara in various areas.
06:22Then also for the development of school development.
06:26Then also several madrasas,
06:29national parks, etc.
06:32So it has spread throughout Indonesia
06:35with several projects that are funded by SBSN.
06:39That's it, from Sabang to Merauke
06:41with more than 7,000 projects that are funded by SBSN.
06:45As an effort to optimize the source of financing,
06:48the Ministry of Finance of course also continues to try
06:51to do creative and innovative financing.
06:54Maybe you can explain,
06:56what has been done by the Ministry of Finance
06:59in developing creative and innovative financing?
07:04Yes, that's right.
07:05So this is a product that will be directly related to the market.
07:11Whether we want it or not,
07:12we must be able to create innovative and creative instruments
07:17that the market will be able to follow.
07:21And one of them is, for example, the Sukup Managing Project.
07:24So this is provided directly to finance several activities
07:30and this has been allocated by the Ministry of Finance.
07:33We also provide Sukup screen,
07:36both global and retail markets.
07:41Then we also provide it with the SBN Retail Online platform.
07:48This is done in order to increase financial inclusion,
07:53to facilitate investors to invest.
07:56Because with this platform,
07:59investors can invest anywhere and anytime.
08:03Then we also provide Sukup's Wakaf Link Cash,
08:06which is oriented to social investment,
08:09including adding Wakaf assets.
08:12Then we also provide SDG Bond.
08:15This is still in the process of making a study,
08:18but the direction will of course be more towards social sustainable development.
08:24Then we also try to make innovative finance.
08:28One of them is related to the SPAM project,
08:34which is excellent for East Java,
08:36with the construction of VGF funds.
08:39Or maybe we are familiar with KPBU,
08:42which is the KPBU Business Partnership.
08:45So these are some of the instruments that we have prepared
08:49in order to attract investors,
08:52including investors in the financing process.
08:56Next, Mr. Suhara.
08:57What makes ST14 more interesting
09:01compared to Sukup Retail,
09:03then SBN Retail, the previous series?
09:07Yes, in terms of features,
09:11in general, it is not much different
09:14from the previous retail series.
09:17However, of course, we will always look at the existing trends,
09:22including in terms of market depth.
09:24We try to give a result that we think is competitive and very attractive,
09:32which we also see how investors see the needs of investors
09:40related to financial planning.
09:42That's why we have two tenors, two-year and four-year tenors.
09:46So I think this is going to be a part
09:49that our investors will be able to respond to,
09:54so of course this will be an interest that our investors will be very interested in.
10:05Okay, from the tenor's point of view,
10:07if we talk about SBN Retail,
10:09which one is most interested in, the short-term or the long-term tenor?
10:14So this becomes a different choice,
10:16or both are also very interested, right?
10:19Yes, the tendency of our investors
10:23is to be more interested in the short-term tenor.
10:27Therefore, in terms of investor finance,
10:32they also need a longer tenor, a four-year tenor.
10:36Therefore, we prepare it.
10:38In general, it is stated that only a two-year tenor is more interested than a four-year tenor.
10:45Okay, so it means that the short-term tenor is still a favorite for retail investors in Indonesia.
10:52Now, if we talk about what the government will do later,
10:57especially from the Ministry of Finance,
10:59so that SBN Retail is more attractive for investors,
11:03we will discuss later in the next segment, Mr. Soehar.
11:05We will take a break for a while.
11:06And Mr. Mirza, make sure you are still with us.
11:23Yes, thank you for still joining us in Market Review.
11:26Mr. Mirza, we will share the data for you again,
11:29related to the profile of the two-year tenor and the four-year tenor.
11:34Yes, as you can see on your television screen,
11:37for ST14-T2, the tenor is two years,
11:40while for ST14-T4, the tenor is four years.
11:43Meanwhile, the time for T2 fell on April 10, 2027,
11:47while for ST14-T4, the tenor fell on April 10, 2029.
11:54The minimum order for both T2 and T4 is one million rupiahs,
12:01while the maximum order for ST14-T2 is five billion rupiahs,
12:07while for ST14-T4, it is ten billion rupiahs.
12:11The interest rate is 6.5% for T2, and 6.6% for T4.
12:20There is also a floating with floor rate,
12:24with a reference rate of BI rate.
12:27The early redemption period is March 26, 2026,
12:32until April 3, 2026 for T2,
12:35while for ST14-T4, it is March 26, 2027,
12:40until April 3, 2027.
12:44Next, let's look at the easy steps to invest in ST14.
12:49What are the mechanisms and orders?
12:52The first is registration,
12:55then ordering,
12:57and then payment.
13:00The last is confirmation.
13:02This is how easy it is when we invest in ST14.
13:08Let's continue our discussion with Mr. Suwarianto.
13:11Mr. Suwarianto, if we look at the data that has been provided,
13:16the rate of falling, the minimum and maximum order,
13:20do you think this is something that ultimately becomes diathec?
13:24Minimum one million rupiahs,
13:26then the maximum limit is different for T2 and T4.
13:31Mr. Suwarianto, can you explain further?
13:34Yes, that's right.
13:35So if we look at the animosity of our investors,
13:39we try to see some of the statistics there.
13:41So with a minimum purchase of one million rupiahs,
13:48almost all of our customers can make purchases,
13:53can invest here.
13:55So from our investors who have more money than that,
14:03we also give them the opportunity to invest more than one million,
14:08a maximum of five billion for the two-year tenor,
14:12and ten billion for the four-year tenor.
14:15So from various groups, from various generations,
14:22they can make choices,
14:26they have choices to invest,
14:30whether one million, two million, five million, up to five billion.
14:34This is something that is very interesting for our investors.
14:38Moreover, with a very interesting coupon rate of 6.5%,
14:45and there is also a feature called floating with lore,
14:50where if the interest rate or SBI rate or DI7D0 rate
14:55experiences a decline,
14:57then the investor does not follow the decline,
15:00but if there is an increase in DI7D0 rate or DI rate,
15:05then the investor will also enjoy the so-called increase
15:09from the resulting investment.
15:11So this is a very interesting feature that is provided,
15:15in our opinion,
15:17I think it becomes the enthusiasm of investors
15:20to make purchases in this ST14,
15:24both the two-year tenor and the four-year tenor.
15:26Okay, and earlier, how to buy it,
15:29ordering it is very easy,
15:31just register, order, pay, and confirm.
15:34Is this as easy as that?
15:36Then are there special requirements that must be met by the investor?
15:40Yes, that's right.
15:42So with this online platform, with this ISBN,
15:46this makes it easier for our investors,
15:50both in terms of age, location, and time.
15:56So whenever and wherever,
15:58our investors can make purchases using their gadgets.
16:02And earlier the steps were simple,
16:05only four steps.
16:07First, of course, we have an SID,
16:09Single Investor Identification,
16:12but for investors who already have an SID,
16:15the first step can be skipped,
16:17because you can use the previous identification.
16:22Then the second is to do the ordering process,
16:25how many are wanted,
16:27then after that, pay,
16:29and finally, of course, there will be a confirmation
16:33from our distribution partners,
16:35informing that the person making the purchase
16:40has become an investor from the 2nd year of ST014
16:44or the 4th year.
16:46That's it.
16:47As easy as that, when we invest.
16:49Even earlier, the minimum limit was only 1 million rupiah.
16:53It can reach the entire population layer
16:56to participate in the development in Indonesia
16:59by buying this ST14, one of them.
17:04Yes, please, sir.
17:05If I can add a few things that I think
17:08are our animo investors,
17:11of course, we know this is the product of the government,
17:14the product of the state,
17:16so it's safe because it's guaranteed by the law,
17:19because the balance has been provided,
17:22the funds are from our APBN.
17:24Then of course, those who have a preference of A series,
17:27have already obtained an A-series opinion from DSMUI,
17:32so don't worry.
17:33Then the second one is easy and reliable,
17:36in the sense that we have an APBN platform
17:38to provide convenience to our investors
17:40to be able to buy anytime, anywhere.
17:43Then of course the balance can be interesting,
17:46maybe it can be compared to the level of deposit,
17:49I don't think it's interesting at all.
17:51Of course, especially with a relatively low tax
17:54compared to other instruments,
17:56because it's only 10%.
17:58Then of course there is pride for the investors,
18:01when they buy this,
18:04they have contributed to the development of this country.
18:08This is very interesting.
18:10Next, what will be done by the government,
18:14especially from the Ministry of Finance,
18:16so that SBSN Retail is also getting more interested
18:20for new investors, of course?
18:23Yes, of course we will always continue to do education,
18:28socialization, literacy to investors about this product
18:33and of course the benefits are good for the citizens of Indonesia
18:38as an investor, as well as for the country.
18:42And of course we also continue to evaluate
18:45what we can develop in the framework
18:49for the market investment,
18:50or maybe also in the framework
18:52to attract interest from our investors.
18:55So this is also an important part,
19:00we collaborate with our stakeholders
19:04to find the best ways
19:06to increase the interest of our investors.
19:12In the previous ST14 competition,
19:15it has also been successful, sir,
19:16reaching investors of all generations,
19:18almost throughout Indonesia.
19:20How do you see the achievements of this ST14 competition?
19:25But hold on, we will discuss the answer later.
19:27We will be back in a moment.
19:29And viewers, we will be right back after the break.
19:32Stay tuned.
20:02So we were able to successfully reach investors of all generations in Indonesia.
20:07Do you see with the achievements,
20:09the facilities we see for the ST14 competition,
20:13how optimistic are you?
20:18Yes, of course our optimism is quite high
20:22when we see that this is always admired by our investors,
20:27especially if we compare
20:31the
20:45So, we are quite optimistic with our investors, the Millennial Generation and the Z Generation.
20:57And indeed, since the real investment is quite affordable, at least 1 million,
21:04of course, the Millennial Generation and the Z Generation are very much dominated by the purchase of these savings.
21:14So, the trend is like that.
21:16So, we are still optimistic that this will still be dominated by the Z Generation and the Millennial Generation.
21:21Okay, but the effort to target the younger generations,
21:24both Gen Z and Alpha, that they are interested in the digital era that they are experiencing now,
21:31and now they are in SBN,
21:33it means that you see it is getting closer to the investors,
21:37with the investment instruments implemented by the government, right?
21:42Yes, that's right.
21:43So, we are also targeting the so-called social media,
21:49we are targeting various social media,
21:53so all the platforms are there.
21:55So, we are targeting there so that it can be reached by all our investors,
22:01from various branches.
22:03And this will be our frontliner in the future,
22:13including various existing communities.
22:16We connect them, we support them with quite interesting features
22:21or also with interesting communication,
22:24so that our investors can also participate in the purchase of this ST14.
22:34Okay.
22:35And Mr. Suhar, this year the government announced the ST14 series of savings,
22:39which means the government has announced 17 series of savings.
22:44Why should the public invest in this ST14 series of savings?
22:50Yes, so from various features that we have mentioned,
22:55I think compared to some other instruments,
22:59this will be a very interesting thing for investors and their investment.
23:05And the second is what I thought was a pride for our investors
23:11when participating in the framework of building this country through this instrument.
23:17So, this saves us with the strategy that we also use in the framework of social education,
23:24education and socialization.
23:26I think this is part of the foundation for the success of this ST14 series of savings.
23:35Okay, if we look at the indicative target,
23:37then look at the optimism,
23:39then also the animosity of the public,
23:41if we talk about the type of savings or the inflation of other country's obligations,
23:45what do you see in 2025?
23:47Will the future be more positive or what?
23:51Yes, we also see that we want to get the blessings of Ramadan too.
23:57We see it in the times of Ramadan, Eid,
24:00even though there may be a need from our community to celebrate Eid.
24:09But looking at some,
24:11because the offering period started on March 7,
24:14we see that the trend is quite good.
24:16The trend is quite good,
24:17so it seems that the community can still plan their finances quite well,
24:22no matter the need for Eid,
24:24no matter the need for investment and so on.
24:28So, we are very optimistic that the target can still be met as in previous years.
24:35Hopefully, this will bring blessings in the month of Ramadan or this Eid.
24:44That's it, the Ramadan momentum,
24:46so it is hoped that the public's interest in investing in ST14 will also increase,
24:52as just announced by the government.
24:54Okay, Mr. Soer, I really appreciate your time.
24:56Thank you very much for the information and updates that have been delivered to the viewers today.
25:00Congratulations on continuing your activities.
25:02See you again, Mr. Soer. Thank you.
25:32Eid Mubarak!