TabunganKu

TabunganKu Eng

"TabunganKu Savings" is a savings account provided by BPR Nusamba Manggis in Indonesian Rupiah, designed for individual customers, organizations, or businesses. Withdrawals can be made based on predetermined requirements.

BPR Savings Product Information

 Key Features

  • Initial Deposit: Minimum IDR 10,000
  • Deposited Balance: Minimum IDR 10,000
  • Subsequent Transactions:
    • Minimum deposit of IDR 5,000
    • Withdrawals are not restricted
  • Savings Interest Rate* (progressive tiered):
    • IDR 10,000 – 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

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

Cost

  • Monthly Administration: Free of charge
  • Book Replacement*: IDR 10,000
  • Passive Account Penalty**: IDR 3,000
  • Account Closure: IDR 10,000
  • Taxable Balance: >IDR 7,500,000

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

Requirement

  1. Identity Card (KTP/SIM/Passport)
    • For Business Entities: Deed of Establishment, AD/ART, SIUP, TDP, NPWP, KTP Management
  2. Filling out the Savings Application Form
  3. Filling Out Signature Specimens

Benefit

  1. It can be for individuals, organizations, or business entities
  2. Competitive interest rates
  3. Easy requirements
  4. Free administration fee
  5. Can be used as a credit card
  6. Guaranteed by LPS (Deposit Insurance Corporation)*

* 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

 

CALCULATION SIMULATION OF INTEREST ON MY SAVINGS

Average Balance*

Interest**

Flowers 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

 Star Symbol Explained

* Average Balance: The average account balance in one month.

** Interest Rate: Interest rate in one year.

 Interest Received: Calculation of interest received for 1 month (30 days).

 Interest After Tax: Interest tax deducted by 20% if the balance is above IDR 7,500,000.

 

ADDITIONAL INFORMATION

  1. TabunganKu is a deposit in rupiah currency at BPR, with withdrawals following agreed conditions.
  2. This product is for individuals, organizations, or business entities only.
  3. The customer receives a passbook as proof and a recording tool.
  4. If there is a difference in the balance between the book and the bank system, then the bank's bookkeeping is a reference, unless proven otherwise.
  5. Loss of passbook must be reported with a Certificate of Loss from the police. The new book will be stamped "DUPLICATE".
  6. Books that are found again after being reported missing are considered invalid and must be submitted to the BPR to be stamped "CANCEL".
  7. BPR is not responsible for losses due to loss or misuse of the passbook.
  8. Withdrawals must be made at least one month in advance and can be rejected if the reason is unclear.
  9. Withdrawals can be made at any time as long as the balance is not below the set minimum.
  10. Withdrawals are only processed if the signature matches the one recorded in the bank.

 


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