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What is Bond?

Bonds are debt security consist of statement of debt from debtor to creditor, including agreement to pay off the principal with its coupons in a pre-determined time.

Laws of the Republic of Indonesia number 24 of 2002

Government Bonds are securities in the form of debt acknowledgement letters denominated in Rupiah and foreign currencies, that are guaranteed interest and principal payments by the Republic of Indonesia, in accordance with the validity period.

Type of bonds

 

1. Government Bonds

The government has officially lowered the income tax rate (PPh) on bond interest earned by local investors to 10%. Click here for more information

The Letter of Debt issued by the Government of the Republic of Indonesia which is available in either Rupiah and US Dollar whereas the payment of its principal and coupon is guaranteed under Law by the Government of the Republic of Indonesia in terms of its maturity.

a. Indonesian Government Bonds, available in Indonesian Rupiah (IDR)

Indonesian Government Bonds, available in Indonesian Rupiah (IDR), consists of:

  • Fixed Rate Indonesian Government Bonds (Seri FR-Fixed Rate)
  • Variable Rate Indonesian Government Bonds (seri VR-Variable Rate)
  • Bonds with the principles of Sharia / Sukuk.

Reksa Dana yang melakukan investasi pada instrumen pasar uang dalam negeri, serta efek bersifat hutang diterbitkan dengan jangka waktu tidak lebih dari 1 (satu) tahun, dan/atau sisa jatuh temponya tidak lebih dari 1 (satu) tahun seperti deposito, pendapatan tetap dan Sertifikat Bank Indonesia (SBI). Reksa Dana Pasar Uang memiliki risiko yang sangat rendah, sehingga cocok untuk para investor konservatif.

b. Indonesian Government Bonds, available in United States Dollar (USD)

Indonesian Government Bonds, available in United States Dollar (USD), consists of:

  • Conventional Bonds (INDON Series)
  • Sharia Bonds (INDOIS Series)

 

2. Government Bonds Retail

Government bonds for retail investors are investment products issued by the government and sold to individual Indonesian citizens (WNI) through a Selling Agent. Consists of 2 types, namely conventional and sharia, for conventionally known as Obligasi Negara Ritel (ORI) dan Savings Bond Ritel (SBR). While the types of sharia are Sukuk Negara Ritel (SR) dan Sukuk Negara Tabungan (ST).

Click Here for Government Bonds Retail Form

 
a. Saving Bond Retail / SBR

A government bond offered to the public in the retail market and refers to the provisions issued for each product by the Republic of Indonesia Ministry of Finance.

Reksa Dana yang melakukan investasi pada instrumen pasar uang dalam negeri, serta efek bersifat hutang diterbitkan dengan jangka waktu tidak lebih dari 1 (satu) tahun, dan/atau sisa jatuh temponya tidak lebih dari 1 (satu) tahun seperti deposito, pendapatan tetap dan Sertifikat Bank Indonesia (SBI). Reksa Dana Pasar Uang memiliki risiko yang sangat rendah, sehingga cocok untuk para investor konservatif.

b. Obligasi Ritel Indonesia / ORI

A government bond offered to the public in the retail market and refers to the provisions issued for each product by the Republic of Indonesia Ministry of Finance.

  • Pemegang Maybank White Card yang ingin mengajukan perubahan transaksi menjadi cicilan 0% menghubungi Customer Care di 1500611 atau melalui email ke customercare@maybank.co.id dengan subject email Cicilan 0%.
  • Transaksi yang dapat diubah menjadi cicilan 0% adalah transaksi di mesin EDC untuk transaksi di hotel, airlines, travel agent, dan transaksi di luar negeri.
  • Minimum transaksi dalam 1 struk belanja (tidak berlaku penggabungan transaksi) adalah sebagai berikut :

Tenor
(Bulan)

Minimum Transaksi
(Rp)

3

3 juta

6

6 juta

12

12 juta

  • Perubahan transaksi menjadi cicilan 0% akan dikenakan biaya konversi sebesar Rp20 ribu/transaksi.
  • Maybank White Card harus dalam kondisi aktif, tidak dalam kondisi menunggak, over limit,  ditangguhkan, dibatalkan atau melanggar syarat dan ketentuan dan/atau perjanjian pemegang kartu.
  • Jika Pemegang Maybank White  Card melakukan pelunasan dipercepat untuk transaksi yang diubah ke cicilan tersebut, maka akan dikenakan biaya penalti sebesar Rp300 ribu/transaksi.
c. Sukuk Ritel

A government bond based on Sharia or Islamic values offered to the public in the retail market and refers to the provisions issued for each product by the Republic of Indonesia Ministry of Finance.

  • Pemegang Maybank White Card yang ingin mengajukan perubahan transaksi menjadi cicilan 0% menghubungi Customer Care di 1500611 atau melalui email ke customercare@maybank.co.id dengan subject email Cicilan 0%.
  • Transaksi yang dapat diubah menjadi cicilan 0% adalah transaksi di mesin EDC untuk transaksi di hotel, airlines, travel agent, dan transaksi di luar negeri.
  • Minimum transaksi dalam 1 struk belanja (tidak berlaku penggabungan transaksi) adalah sebagai berikut :

Tenor
(Bulan)

Minimum Transaksi
(Rp)

3

3 juta

6

6 juta

12

12 juta

  • Perubahan transaksi menjadi cicilan 0% akan dikenakan biaya konversi sebesar Rp20 ribu/transaksi.
  • Maybank White Card harus dalam kondisi aktif, tidak dalam kondisi menunggak, over limit,  ditangguhkan, dibatalkan atau melanggar syarat dan ketentuan dan/atau perjanjian pemegang kartu.
  • Jika Pemegang Maybank White  Card melakukan pelunasan dipercepat untuk transaksi yang diubah ke cicilan tersebut, maka akan dikenakan biaya penalti sebesar Rp300 ribu/transaksi.
d. Sukuk Tabungan

A government bond based on Sharia or Islamic values offered to the public in the retail market and refers to the provisions issued for each product by the Republic of Indonesia Ministry of Finance.

 
 

Information on the Safe Keeping Fee for Surat Berharga (SBN) / Surat Berharga Syariah (SBSN) charged to Customers managed by Maybank Indonesia as a Custodian Bank, effective as of 27th of August 2020:

Total Asset Under Customer (IDR) in SBN/SBSN Account Safekeeping Fee (Ujrah)
< IDR100 million IDR2,500 /month
IDR100 million - < IDR250 million IDR5,000 /month
IDR250 million - < IDR500 million  IDR7,000 /month
IDR500 million - <IDR1 billion IDR10,000 /month
IDR1 billion - < IDR3 billion IDR12,500 /month
> IDR3 billion IDR150,000 /year

 

Type of Transaction Settlement Transaction Settlement Fee (Ujrah)
Transaction Received IDR22,000 /transaction
Transaction Sent IDR22,000 /transaction

Bonds Product

Sukuk Tabungan

Sukuk Negara Ritel

Savings Bond Ritel (SBR)

Obligasi Negara Ritel (ORI)

Product Name Product Info
Sukuk Tabungan Seri ST006 Product info click here
Sukuk Tabungan Seri ST005 Product info click here
Sukuk Tabungan Seri ST004 Product info click here
Product Name Product Info
Sukuk Negara Ritel Seri SR-013 Product info click here
Sukuk Negara Ritel Seri SR-012 Product info click here
Sukuk Negara Ritel Seri SR-011 Product info click here
Sukuk Negara Ritel Seri SR-010 Product info click here
Product Name Product Info
Savings Bond Ritel (SBR) SERI SBR009 Product info click here
Savings Bond Ritel (SBR) Seri SBR008 Product info click here
Savings Bond Ritel (SBR) Seri SBR007 Product info click here
Savings Bond Ritel (SBR) Seri SBR006 Product info click here
Product Name Product Info
Obligasi Negara Ritel (ORI) Seri ORI017 Product info click here
Obligasi Negara Ritel (ORI) Seri ORI016 Product info click here
Obligasi Negara Ritel (ORI) Seri ORI015 Product info click here
Obligasi Negara Ritel (ORI) Seri ORI014 Product info click here

Benefits

Guaranteed by Constitutions

Government Bonds issued by the Government of the Republic of Indonesia are guaranteed by Law No. 24 tahun 2002, where the Government shall guarantee the payment of coupons payments along with the amount of capital invested at its maturity.

Competitive Coupon

Generally coupons are offered higher than the average deposit interest rate of State owned Bank.

Fixed Coupon

The periodic income in a form of coupon rate which will be transferred directly to customer’s account which appointed in the beginning.

Liquid and Flexible

Customers / investors can withdraw Bonds according to market prices at any time. Except for Sukuk Tabungan Bonds (ST) and Saving Bond Ritel (SBR), customers / investors can process bond selling and buying transactions through the secondary market mechanism.

Capital Gain

Capital gains opportunities if the bonds are sold at a price greater than the selling price after calculating the transaction costs in the secondary market.

Risks

1. Market Risk

Risk of changes in interest rate: when interest rate increases, bonds price would depreciate and investors might suffer potential capital loss.

2. Liquidity Risk

Risk that may arise when the bond cannot be sold in secondary market.

 
 

Important notes

Maybank Indonesia only acts as a Selling Agent. This information is only a summary of information on product features and characteristics, therefore cannot be considered as a complete product information document. Please contact our Relationship Manager to get more information.

Investments in bonds are not included in the Government Deposit Guarantee Program (LPS). This information is only a general information and should not be regarded as an offer, recommendation, request for any transaction or hedging, trading or investment strategy, related to any securities or financial instruments.

This information is only a general evaluation, that does not take into account the investment objectives, financial situation, the particular needs of individuals or certain parties, and is not prepared specifically for individuals or certain parties.

Trading foreign currencies carries the risk of foreign exchange market movement. You are required to read and understand the transaction risks before doing transactions with the Bank. The Bank is not responsible for any losses that may be incurred from the decision you have taken.

Investment in Bonds has Market Risk, Interest Rate Risk, Liquidity Risk, Credit Risk, and other risks, including the possibility of losing the entire principal of the Bond investment. Investors are required to read and understand all risk factors, fees and other details that arise before deciding to invest in bonds.

Past performance of bonds is not entirely an indication of future performance, this is because the price of bonds can be determined from market conditions, country conditions and other factors.

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