Nusamba Savings

Nusamba Savings

Nusamba Savings is a deposit offered to the public or customers at BPR Nusamba Manggis in Indonesian Rupiah, designed for individual customers, organizations, or businesses.

 

KEY FEATURES

  • Minimum initial deposit of IDR 10,000
  • Minimum deposit balance of IDR 10,000
  • The next deposit is at least IDR 5,000
  • Withdrawals are not restricted
  • Savings interest rate* (progressive tiered):
    • IDR 100,000 – IDR 500,000,000: 1.00% per year
    • IDR 500,000,000 – IDR 1,000,000,000: 1.25% per year
    • IDR 1,000,000,000 – IDR 2,000,000,000: 1.75% per year
    • IDR 2,000,000,000: 4.00% per year
  • Guarantee interest rate**: 6.50% per annum

Information:

  • Valid on the date this document is issued** In accordance with the current LPS guarantee interest rate

COST

  • Monthly administration fee: IDR 1,000
  • Book replacement fee*: IDR 1,000
  • Passive account penalty**: IDR 3,000
  • Account closing fee: IDR 10,000
  • Taxable balance: >IDR 7,500,000

Information:

  • Free if the book is full or damaged/missing** Charged if there is no mutation for 6 months

REQUIREMENT

  1. Identity card (KTP/SIM/Passport)
    • For business entities: Deed of incorporation, AD/ART, SIUP, TDP, NPWP, KTP Administrator
  2. Fill out the savings application form
  3. Filling in the signature specimen

BENEFIT

  1. It can be owned by an individual, organization, or business entity
  2. Competitive interest rates
  3. Easy requirements
  4. Low administration fees
  5. Can be used as a credit card
  6. Guaranteed by the Deposit Insurance Corporation (LPS)*

Information:

  • Additional information is available on the next page

RISK

  1. Changes in savings interest rates
  2. Savings are not guaranteed by LPS if:
    • Balance exceeding IDR 2 billion
    • Interest rates exceed LPS guarantee rate
  3. Passive accounts can be closed by banks

 

NUSAMBA SAVINGS INTEREST CALCULATION SIMULATION

Lowest Balance

Interest

Interest Accepted

Interest After Tax

IDR 10,500,000

1,00%

IDR 8,630.14

IDR6,904,11

IDR1,500,000,000

1,75%

IDR 2,157,534.25

IDR1,726,027,40

 

Lowest Balance: The lowest average balance in a month used as the basis for calculating interest.

  • Interest Rate: The annual interest percentage given according to the balance.
  • Interest Received: Calculation of monthly interest based on balance and interest rate.
  • Interest After Tax: Interest that has been deducted tax by 20%, applies if the balance > IDR 7,500,000.

 

TERMS AND CONDITIONS OF NUSAMBA SAVINGS

  1. Nusamba Savings is a deposit in rupiah at the People's Credit Bank (BPR), with withdrawals according to the stipulated conditions.
  2. This product is intended for individuals, organizations, or business entities.
  3. The customer receives a passbook as proof and a recording tool.
  4. Loss of passbooks must be reported to the bank with a Certificate of Loss from the police.
  5. The lost book will be replaced with a new book with "DUPLICATE" and the last balance as valid proof.
  6. Books that are recovered after being reported missing are considered invalid and must be submitted to the BPR for "CANCEL" stamping.
  7. BPR is not responsible for losses due to loss or misuse of the passbook.
  8. The account may be closed by the bank if the customer's data is proven to be incorrect or fake.
  9. The passbook is owned and supervised by BPR.
  10. Account closure must be accompanied by a return of the passbook.
  11. If the customer dies, the balance will be handed over according to the bank's provisions.

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