A Valuable Choice for a Prosperous Future – Together Preserve Our Earth 6,40% p.a

Why ST012T2 at BCA?

Safe & Secure

Payments on principal and yields are guaranteed by the Government

Ease of Transaction

Online Purchase via myBCA or KlikBCA Individu


ST012T2 subscription starts from Rp1 million


Get to know the product


Sovereign Sharia Securities/Surat Berharga Syariah Negara (SBSN) are bonds issued by state based on Sharia principles, as the evidence of part equity to assets SBSN, either in Rupiah and foreign currencies.

Savings Sukuk/Sukuk Tabungan (ST) are SBSN which are investment savings for individual Indonesian Citizens offered in Rupiah currency through Distribution Partners which are issued scriptless, non-tradable and non-transferable.


Competitive Return
At Primary Market, the Coupon offered is higher than the average interest rate of BUMN bank deposits.
No Maximum Return Limit
Floating Return with guaranteed minimum rate of Return (floor) until maturity.
Participation in National Development
Opportunity to participate in supporting national development financing
Complying to Sharia Principles
Investors get access to activities in the financial market in ways and methods that do not conflict with sharia principles.


Default Risk
Is a risk where the investor can’t get the payment of funds promised by the issuer when the investment product matures. The payment of ST012T2 is guaranteed by the law.
Liquidity Risk
ST012T2 cannot be traded before maturity (except during the Early Redemption period)
Market Risk
A risk where there are changes in the market rate of return that has the potential to cause losses to investors. The minimum rate of Return (floor) ST012T2 is guaranteed at the time of issuance .

Information Brochures & Memos

ST012T2 brochure
See information about ST012T2 the brochure
More Info
ST012T2 Memorandum
See ST012T2 memorandum here
More Info
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