The government has re-issued Sharia Government Securities (SBN) ST014 series offered to the public during the month of Ramadan 2025. This sharia-based investment instrument is an attractive option for investors who want to optimize their funds with competitive returns while contributing to sustainable and environmentally friendly development.

The ST014 offering period took place from 7 March to 16 April 2025, providing an opportunity for the public to invest with a transparent and secure system. The product comes with 2-year and 4-year tenors, and offers a floating with floor reward, meaning the reward can increase with the benchmark interest rate, but will not fall below the minimum limit set by the government.

Why Choose ST014 Sharia SBN Investment?

ST014 offers various advantages that make it an attractive investment option, especially for those looking for sharia-based investment instruments with low risk. Here are some of the main reasons to choose ST014:

1. Shariah-based

As a Savings Sukuk, ST014 uses sharia principles supervised by the National Sharia Council-MUI. This product is suitable for investors who want to invest according to sharia principles, which does not contain elements of usury, ghahar (uncertainty), or masyir (gambling).

2.Floating Rewards with Floor

ST014 offers a reward that follows the development of the BI interest rate, but still has a minimum limit (floor). Investors can potentially get an increase in rewards when the BI benchmark interest rate rises, and Investors can also rest assured that rewards will not fall below the predetermined limit, providing a guarantee of stable rewards even when the BI benchmark interest rate is declining.

3. Flexibility with Early Redemption

Investors can withdraw some funds before maturity through the Early Redemption facility with a schedule set by the Ministry of Finance, providing flexibility in managing liquidity.

4. Safe and State Guaranteed

ST014 investment is guaranteed by the state in accordance with Law No. 24 Year 2002, so the risk of default is minimal.

5. Contribution to Sustainable & Environmentally Friendly Development

DFunds raised from the issuance of ST014 will be used to finance sustainable and environmentally friendly development projects. Investors thus contribute to the financing of green development, including energy efficiency, renewable energy, sustainable agriculture, and energy and waste management.

ST014 Product Information

You can find more information about SBN ST014 here.

To understand more about Sukuk Tabungan and how to invest, you can read the following article:Understand What is SBN and How to Invest.

Simulation of SBN ST014-T2 Return

The following is a simulation of ST014-T2 return calculation assuming a minimum return of 6.50% per annum:

*)Return after 10% income tax deduction

Simulation of ST014-T4 SBN Return

The following is a simulation of ST014-T4 return calculation assuming a minimum return of 6.60% per annum:

*)Return after 10% income tax deduction

Guidance on how to buy SBN ST014 via M2U ID App

1. SID Registration and e-SBN Registration

   Complete information on SID registration and e-SBN registration via M2U ID App can be found on this page.

2. SBN Booking

   Buying ST014 is now easier through M2U ID App. Here are the steps:

   1.   Login to the M2U ID App and click on the navigation menu in the top left corner of the screen in the account view.

   2.   Select ‘Investment & Insurance’.

   3.   Click the ‘+’ button and select ‘SBN’.

   4.   Read and understand the superior information about SBN on the M2U ID App. Then click ‘Next’

   5.   Read and understand the product details, then click ‘Order’.

   6.   Select the source of funds account that you have previously registered.

   7.   Fill in the nominal value of the SBN order and then click ‘Next’.

   8.   Read and tick to agree to all the terms and click ‘Next’.

   9.   Verify your booking details and click ‘Confirm & request TAC’.

   10.   Enter your Secure2u passcode.

   11.   Your SBN booking is successful. Then click ‘Done’.

For further guidance, you can watch the following video

For more information on SID registration, e-SBN, and how to purchase, visit: Bond Guide at Maybank.

Benefits of SBN ST014 Investment via M2U ID App

Get various benefits when investing in SBN ST014 via M2U ID App! Here are the benefits that you can get:

• 24/7 access can be done anywhere and anytime even on weekends or holidays.
• The process is done online so that it can be accessed in just one hand.
• Can be monitored directly through the M2U ID App.
• Rewards can be directly disbursed to registered accounts in SID and e-SBN.

There is an early redemption feature, making it easier to withdraw some funds during the early redemption period.

SBN ST014 Cashback Information

Get cashback up to 0.20% max. IDR27.5 million of your invested placement value.

The following is the cashback information offered with purchases at Maybank with a minimum placement of IDR100,000,000.

You can see complete information about SBN ST014 here.

Download M2U ID and invest in SBN ST014 via M2U ID App Get various benefits and ease of investing now!