Creating opportunities for growth and a more meaningful life for millions of productive low-income families.
BTPN Syariah is the only bank in Indonesia that focuses on serving productive underprivileged families - also known as the “unbankable” for having neither financial records nor legal documentation, and the Bank’s infrastructure has been built to ensure that the products and services are able to effectively serve this segment.
With only 25 branch offices and 41 Operational Functional Offices throughout Indonesia, the Bank works with nearly 12,000 employees who actively serve in the customer centers in almost 70% of sub-districts, through an empowerment program that nurture 4 key characteristics: Courage to Do Business, Discipline, Hardwork and Solidarity.
BTPN Syariah acquires funds from high net worth individuals and families, whereby almost 100% of the acquired funds are distributed through financing services and empowerment program for the productive underprivileged families.
The changes of social impacts are measured every year using several indicators, namely the probability of returning to below poverty line and numbers of children not attending school, as the indications of family income improvement.
Our philosophy of 'Do Good, Do Well' (where solid performance is followed by real social impacts) is what unites all members of BTPN Syariah under one identity as #bankirpemberdaya (banker who empowers). Bank Tabungan Pensiunan Nasional Syariah BTPS
Funding
Funding customers contribute to empoweringmillions of productive low-incomes families in Indonesia towards a more meaningful life.
Financing
Developing key behaviours of productive low-income customers, who have courage to do business, discipline, hard work, and solidarity to achieve a better life.
2008 - 2013
In March 2008, the Sharia Business Unit of BTPN was established, Nand the first sharia branch office, supported by 49 employees, was inaugurated in Bandung.
In addition to sharia banking services, the Unit was to fund small and medium-sized enterprises and provide mortgage services to customers. Subsequently, the second branch office was established in Jakarta, in December 2013.
2014
The rapid progress of BTPN’s Sharia Business Unit – evident in growing numbers of employees and customers, which by 2014 reached 9,447 and 1.3 million respectively – was unprecedented. Institutions and media of both local and international scale grew interest in the Unit. Among them were IFC, Koran Financial Times, Grameen Foundation, and Bank of Japan.
On 14 July 2014, BTPN’s Sharia Business Unit officially merged withBank Sahabat Purbadanarta into BTPN Syariah. The milestone was marked by opening new branches in Padang, Yogyakarta, Semarang, Aceh, Medan, Kupang, Surabaya, and Pekanbaru, as well as relocating the first branch in Bandung, all of which took place from June to September 2014.
During the time, we also facilitated 1,521 MMS (sharia mobile marketers), managed IDR2.5 trillion of financing fund, and marketed flagship products such as Paket Masa Depan (financing product designed for women’s groups in rural areas), Deposito Berjangka iB (time deposit based on profit-sharing agreement), and Tabungan Citra iB (minimum-deposit savings with free admin fee).
In the same year, BTPN Syariah was certified to use Grameen Bank’s Progress out of Poverty Index (PPI) for measuring customer welfare in Tunas Usaha Rakyat (TUR) program, piloted BTPN Wow!,and relocated our Head Office from floor 6 to 34 of Cyber 2 Tower, Jakarta.
2015 - 2016
BTPN Syariah was officially registered at the Financial Services Authority (OJK)as a BUKU 2 bank under the Business Activities and Office Networks Based on Bank Core Capital regulation. Our excellence was also recognized by different stakeholders, who awarded us predicates such as;
- Best Sharia Bank in BUKU 1 Category
- Sharia Bank with the Highest Financing Distribution in BUKU 1 Category
- Sharia Bank with the Highest Profitability in BUKU 1 Category
We owe these prestigious accolades to our 11,202 employees, who have dedicated themselves to serving over 1.5 million customers in 1,838 centers, meticulously manage an increased fund of IDR3.7 trillion, and eagerly offer best products, such as Paket Masa Depan, Deposito Berjangka iB, and Tabungan Citra iB, to customers.
2017
BTPN Syariah has been recognized and awarded by various national and global institutions as the Best Sharia Bank for the Category of Bank with Total Assets below Rp10 trillion. Bank Indonesia awarded us predicate as the Best Buku 2 Bank Serving MSMEs for the Category of Sharia and Conventional Banking in Indonesia. On the international level, we received recognition as the Best Islamic SME Bank from the Global Islamic Finance Awards.2018
BTPN Syariah officially became a public company and was listed on Indonesia Stock Exchange (IDX) through an Initial Public Offering (IPO) under IDX ticker symbol BTPS, with initial price of Rp975 on 8 May 2018.
In addition, on 6 December 2018, BTPN Syariah launched Tabungan Haji (Hajj Savings Account), a secure and guaranteed savings account product that is connected online to the Integrated Hajj Computerized System of the Ministry of Religion (SISKOHAT). Bank Tabungan Pensiunan Nasional Syariah BTPS
Vision
To be the best Sharia Bank, for financial inclusion, making a difference in the lives of millions of Indonesian people
Mission
Together, we create opportunities for growth and a more meaningful life
Values
PRISMA – Professionalism, Integrity, Mutual Respect, and Teamwork Bank Tabungan Pensiunan Nasional Syariah BTPS
As empowering banker, all BTPN Syariah employees have the
opportunities to participate and contribute to empowering productive
low-income customers. Therefore, improving their capacity is a shared
responsibility not only borne by our 'Melati Putih Bangsa', who
interacts directly
with the customers on a daily basis.
Productive low-income customers are empowered through 4 pillars: financial access, membership, coaching, and training. BTPN Syariah brands its training program as 'Daya' to differentiate from other programs in the market.
The
training is dedicated to all productive low-income customers and
invites employees and funding customers to participate. That being said,
Daya by BTPN Syariah goes beyond a Corporate Social Responsibility
program and serves as a fundamental pillar interconnected with the
Bank's 3 Unique Value Propositions, with focus on empowering and serving
productive low-income customers.
Daya for Health and Welfare is a health empowerment program aimed at promoting healthy and productive living habits among customers. There are 4 programs in Daya for Health and Welfare: Daya Training, Health Champions, Sahabat Daya University, and Social Work.
Work together as empowering agents
We believe that everyone can participate in changing the lives of millions of low-income communities. This is the fundamental value of Sahabat Daya, a program that enables BTPN Sharia funding customers to actively participate in our empowerment efforts by volunteering.
Sahabat Daya are given the opportunity to meet members of low-income households to share their experience and motivate them. Through the program, they can witness firsthand the persistence and determination of our joyful and modest low-income customers. We hope that this experience can inspire and motivate Sahabat Daya to continuously empower others.
To expand the reach of the program, BTPN Syariah initiates collaboration with various universities. Sahabat Daya has been implemented in Universitas Trisakti, Universitas Muhammadiyah Sumatera Utara, and Universitas Brawijaya, with empowerment focus on healthcare and business development.
Daya to Grow Business focuses on entrepreneurship to help customers grow their business through training on business practices, business information, and new business opportunities. The programs covered include Daya Training, Sahabat Daya University, Developing Market Access, and Sahabat Daya Individual.
Work together as empowering agents
We believe that everyone can participate in changing the lives of millions of low-income communities. This is the fundamental value of Sahabat Daya, a program that enables BTPN Sharia funding customers to actively participate in our empowerment efforts by volunteering.
Sahabat Daya are given the opportunity to meet members of low-income households to share their experience and motivate them. Through the program, they can witness firsthand the persistence and determination of our joyful and modest low-income customers. We hope that this experience can inspire and motivate Sahabat Daya to continuously empower others.
To expand the reach of the program, BTPN Syariah initiates collaboration with various universities. Sahabat Daya has been implemented in Universitas Trisakti, Universitas Muhammadiyah Sumatera Utara, and Universitas Brawijaya, with empowerment focus on healthcare and business development.
Daya for Community Development aims to empower customer communities that share the same goal, interest, and commitment to collaborate to reach potential markets and promote healthy living habits.
Work together as empowering agents
We believe that everyone can participate in changing the lives of millions of low-income communities. This is the fundamental value of Sahabat Daya, a program that enables BTPN Sharia funding customers to actively participate in our empowerment efforts by volunteering.
Sahabat Daya are given the opportunity to meet members of low-income households to share their experience and motivate them. Through the program, they can witness firsthand the persistence and determination of our joyful and modest low-income customers. We hope that this experience can inspire and motivate Sahabat Daya to continuously empower others.
To
expand the reach of the program, BTPN Syariah initiates collaboration
with various universities. Sahabat Daya has been implemented in
Universitas Trisakti, Universitas Muhammadiyah Sumatera Utara, and
Universitas Brawijaya, with empowerment focus on healthcare and business
development. Bank Tabungan Pensiunan Nasional Syariah BTPS
BTPN is a bank which focuses to serve and empower low-income communities including pensioners, micro-small-and medium enterprises, and productive underprivileged communities. All those segments fall under the category mass market.
Established in Bandung, Jawa Barat, on 1958 with the name Bapemil, the Bank underwent several stages of transformation in its history, until it became PT Bank Tabungan Pensiunan Nasional in 1986. Today BTPN operates with its Head Quarter in Jakarta and branch offices located in more than 300 cities throughout Indonesia. BTPN serves its target through six lines of businesses. The first is BTPN Purna Bakti which focuses on pensioners and pre-pensioners segment. The second is BTPN Mitra Usaha Rakyat which serves self-employed micro-business customers. The third is BTPN Mitra Bisnis serving small and medium enterprise customers. The fourth is BTPN Sinaya which focuses to acquire third party from the institutional segments and high net-worth individuals.
The last two lines of business applies mobile banking platform as the main delivery channel. BTPN Wow! -- as the fifth business unit -- is the platform that serves mass market through the use simple handphone. The sixth business unit, Jenius, is aimed at serving those customers with a more advanced needs for technology-based financial services using smartphone as the main device for financial transactions.
BTPN
believes that financial and social missions are inseperable two sides
of a coin; that BTPN will only achieve the financial objectives by
empowering the social communities. People empowerment is, therefore, an
integrated element of the business model. It goes beyond a corporate
social responsibility. Creating opportunities for growth and a more
meaningful life for our customers is essentially the purpose of BTPN
existence, that must be translated into all activities, products and
services. Bank Tabungan Pensiunan Nasional Syariah BTPS
Head Office
Menara BTPN, Lt. 12
Jl. Dr. Ide Anak Agung Gde Agung
Kav. 5.5 - 5.6
Jakarta Selatan 12950
Fax: 021 - 29272096
Bank Tabungan Pensiunan Nasional Syariah BTPS
Bank Tabungan Pensiunan Nasional Syariah BTPS