As 2026 draws to a close, the Indonesian Government is offering a secure, Sharia-compliant investment option. The option is made available through the latest offering of Surat Berharga Negara (SBN) Ritel which is Sukuk Tabungan (ST) series ST017 which becomes available starting November 6, 2026.

ST017 is available in two tenors as follows:

• ST017T2 with a 2-year maturity and a coupon rate of 6,95% per year which can be ordered from IDR 1 million to IDR 5 billion.
• Green Sukuk Tabungan ST017T4 with a 4-year maturity and a coupon rate of 7,05% per year which can be ordered from IDR 1 million to IDR 10 billion.

ST017 is considered a secure Sharia-compliant investment because the fund is managed according to Sharia principles, and both the principal and the return payments are guaranteed by law. Moreover, the returns for ST017 follow a "floating with floor" structure which means that the rate may fluctuate in line with the BI Rate, but it will never fall below the initial rate set at the time of issuance. It is important to note, however, that funds invested in ST017 cannot be withdrawn at any time; they can only be accessed during specific windows or upon reaching maturity. Therefore, investors should ensure that the funds used is not intended for emergencies or daily living expenses.

Specifically for the ST017T4 series which is a Green Sukuk Tabungan, the funds raised will be allocated to government projects aimed at addressing climate change. By investing in ST017, investors not only invest in an instrument managed according to Sharia principles but also contribute to environmental sustainability.

So, let’s invest in the final SBN Ritel offering of the year! Order ST017 through the Investment feature in the myBCA app or via KlikBCA because the offering period is open only until December 2, 2026!

For further information, please contact HaloBCA at 150 888 extension 4 for investment services or mention X BCA: @HaloBCA.