DANA, a digital wallet-based fintech company, has entered a strategic partnership with PT Trimegah Sekuritas Indonesia Tbk to bring primary market Retail Government Bonds (SBN Ritel) directly to users through the DANA app (12/6).

This move aims to expand safe, simple, and inclusive investment opportunities, particularly targeting Millennials and Gen Z.

Investor interest in SBN has been steadily increasing. As of April 2025, Indonesia’s Central Securities Depository (KSEI) reported a total of 1,244,757 SBN investors.

This number remains modest compared to 16,245,270 total capital market investors, signaling strong potential for further retail bond market penetration.

SBN Ritel is a government-guaranteed instrument offering competitive yields, making it a trusted option for broad investor segments.

Seamless e-SBN Purchase Available to DANA Premium Users

With this integration, DANA premium users can now invest in SBN Ritel directly from the DANA app.

Available instruments include Obligasi Ritel Indonesia (ORI), Sukuk Ritel (SR), Saving Bond Ritel (SBR), and Sukuk Tabungan (ST) offered based on government schedules.

All steps, registration, verification, and purchasing, can be completed within the DANA platform.

The app’s interface has been optimized for user-friendliness, focusing on accessibility for beginners and those unfamiliar with financial services.

Increasing Reach Beyond Major Cities Through Digital Access

The distribution of SBN Ritel continues to be concentrated in Indonesia’s western regions.

Data from the ST014 issuance indicates that over 60% of investors came from these areas, particularly outside DKI Jakarta.

“Through our collaboration with Trimegah Sekuritas, people can buy e-SBN directly via the DANA app. It proves that state investment isn’t just for financial experts, it’s the right of all citizens,” said Vince Iswara, CEO & Co-Founder of DANA Indonesia.

“With Trimegah Sekuritas as a trusted capital market partner, we ensure that anyone from young people to informal workers and those in remote areas can take part in nation-building safely, easily, and simply. e-SBN is not just an investment instrument. It is a form of civic participation”.

DANA is currently the only digital wallet in Indonesia offering SBN Ritel, reinforcing its role in supporting financial inclusion through technology.

Trimegah Sekuritas Focuses on Trustworthy and Relevant Investment Access

Trimegah Sekuritas Indonesia sees this initiative as more than a distribution expansion. It’s also a step toward meaningful investor engagement.

“This e-SBN product is not just about expanding distribution channels, but also about creating an investment experience that aligns with the needs of today’s society,” said Anung Rony Hascaryo, Director of Trimegah Sekuritas Indonesia.

“We believe strong investment literacy starts with simple and trustworthy access. Through this collaboration, we want to ensure that e-SBN products are not only easy to access but also have a real impact in expanding financial inclusion and encouraging public participation in financing national development”.

Available Starting from IDR 1 Million with Competitive Returns

Since February 2025, DANA premium users can invest in SBN through the “e-SBN” icon found in the app’s Top 7 services or under the “Finance” category.

With a starting investment of IDR 1 million, users can access these government bonds and potentially earn returns exceeding 6%.

PHOTO: DANA

This article was created with AI assistance.