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20250213_BTPN_Laporan Informasi dan Fakta Material_31862200_lamp3.pdf
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Wise Financial Management During Ramadan and Eid al-Fitr
with Creditbility from Jenius
Jakarta, February 13, 2025 – As Ramadan approaches, spending usually increases, for daily needs
and preparations for Eid al-Fitr. Therefore, it is important to understand how to manage finances
wisely to maintain financial stability post-Eid, avoid the risk of accumulating debt, and ensure
economic well-being is preserved.
During the financial education class titled “Manage Your Finances More Wisely During Ramadan
and Post-Eid with Jenius,” organized by Jenius, Ully Safitri, Certified Financial Planner, CHRP,
Consultant from OneShildt Financial Independence, stated, "As Ramadan and Eid al-Fitr
approach, Indonesians often face seasonal inflation, from rising prices of essential goods to
tickets and other Ramadan-related needs. However, Ramadan also opens up business
opportunities, such as in baked goods, hampers, and iftar meals. In this situation, using credit
facilities wisely can help maintain financial stability."
Ully further explained that while expenses tend to rise during Ramadan, the income also
increases due to the holiday bonuses and/or other bonuses, as well as opportunities to boost
earnings through seasonal business opportunities. Therefore, having insight into how to manage
cash flow, prioritize spending, manage credit responsibly, and turn it into an economic
opportunity can transform post-Ramadan financial stress into happiness through wise financial
management.
Jenius, the digital banking platform from SMBC Indonesia, understands that credit is one of the
key tools for accelerating life and achieving goals. Therefore, Jenius continues to innovate by
providing financial solutions that assist in and simplify the lives of Jenius users.
After launching various credit products such as Jenius Paylater, Flexi Cash, and Jenius Credit
Cards, Jenius now introduces its latest innovation, Creditbility. With Creditbility, Jenius users can
apply for all three credit products—Jenius Paylater, Flexi Cash, and Jenius Credit Card—in one
application. Additionally, users can assess their creditworthiness and manage their credit limits
more securely and flexibly. This enables users to plan their expenses more effectively during
Ramadan and post-Eid in alignment with their financial conditions.
“Through Creditbility, Jenius makes it easier for users to apply for all three Jenius credit
products—Jenius Paylater, Flexi Cash, and Jenius Credit Card—in one application. Furthermore,
users can manage their credit products more conveniently and securely within a single app, with
the flexibility to allocate credit limits based on their needs,” said Febri Rusli, Digital Banking
Product & Innovation Head at SMBC Indonesia.
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Flexible Credit Allocation Creditbility not only simplifies the management and application of loan products in Jenius within one app, but also helps users understand their creditworthiness. Creditbility will also store unused credit limits, allowing users to manage their credit in Jenius wisely. With this feature, Jenius provides flexibility while helping users build a better financial reputation. Each user will receive credit products and total creditworthiness that match their financial profile and credit history, allowing them to manage credit according to their capacity. Optimal Credit Security Creditbility will automatically and periodically store users' unused credit limits, preventing uncontrolled usage. The stored credit limit in Creditbility can be reallocated whenever needed. Accelerating Dreams through Credit Management Creditbility can also serve as a benchmark for creditworthiness, allowing users to know and improve their credit score. By using Creditbility, users can view their creditworthiness in real time while assisting in credit planning. As a result, users can use it as a tool to accelerate their dreams, whether in investment, education, or other financial goals. “The features and innovations introduced by Jenius are a concrete step in supporting SMBC Indonesia's vision to provide more relevant services and reaching more customer segments to grow together. Jenius hopes to assist users in formulating and achieving their financial resolutions in 2025, helping them build a better financial reputation,” concluded Febri. Learn more about Credibility and find other financial solutions with Jenius through Think Unthinkable. For further information, please contact: PT Bank SMBC Indonesia Tbk Andrie Darusman, Communications & Daya Head Email: andrie.darusman@smbci.com or corporate.communications@smbci.com SMBC Indonesia in brief PT Bank SMBC Indonesia Tbk (SMBC Indonesia)—formerly PT Bank BTPN Tbk (Bank BTPN)—is a foreign exchange bank resulting from the merger of PT Bank Tabungan Pensiunan Nasional Tbk (BTPN) and PT Bank Sumitomo Mitsui Indonesia in February 2019. Driven by the spirit of "Do Good, Be Great," SMBC Indonesia aims to create more meaningful growth for society through innovative and comprehensive financial solutions centred on meeting customers' needs across various segments. SMBC Indonesia provides products and services such as green financing, products and services for retired customers, for micro, small, and medium enterprise customers, for large national, multinational, and Japanese
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corporations, wealth management services through Sinaya, as well as digital banking services for digital- savvy communities through Jenius. Additionally, SMBC Indonesia has subsidiaries, including PT Bank BTPN Syariah Tbk, serving customers from productive underprivileged communities, and financing companies PT Oto Multiartha (OTO) for four-wheel vehicles and PT Summit Oto Finance (SOF) for two-wheel vehicles. SMBC Indonesia's commitment to positively and sustainably impacting the broader community is also reflected through Daya. This sustainable and measurable empowerment program offers regular training to enhance personal capabilities and capabilities for a more meaningful life.
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Bank Tabungan Pensiunan Nasional Tbk
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PT Bank Sumitomo Mitsui Indonesia
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