20240926_BTPN_Laporan Informasi dan Fakta Material_31729314_lamp2.pdf

their income and expenses, providing a clearer picture of users’ financial situa ons so they can be er
manage their cash flow. In addi on to se ng aside a budget for educa on and daily necessi es, parents
are advised to also secure health protec on for their children through insurance.

In addi on, parents may also consider taking out a loan facility as an effec ve tool for business capital or
their children’s educa on if they manage it responsibly. It’s crucial to keep loan installments under 30% of
monthly income. The Jenius Flexi Cash feature offers a convenient solu on for single mothers, with easy
access, compe ve interest rates, and flexible repayment op ons, all managed directly through the app.

3. Set Aside Funds for Your Child’s Savings with the Save It Feature from Jenius
 Parents also need to set aside income for future plans, especially for children's educa on costs. Agus na
Fitria, Head of Financial Planning at OneShildt, advised, "In preparing savings for a child's future needs,
such as educa on and healthcare, it’s important to keep these funds separate from daily living expenses
so that we can be more disciplined in saving.”

“By doing so, single mothers can manage their finances more effec vely, ensure essen al needs, and
avoid using cri cal funds for non-essen al purposes."

Jenius offers the Save It feature, which helps single mothers save more easily and consistently. Here are a
few key features of Save It that single mothers can take advantage of:
    ● Flexi Saver: A savings op on that allows single mothers to deposit and withdraw money any me
        without penalty, providing the flexibility needed to manage their finances effec vely.
    ● Dream Saver: Automa c savings allow single mothers to set target amounts and meframes, with
        automa c debits from their Ac ve Balance on a daily to monthly basis, making it easier to plan
        finances for specific goals.
    ● Maxi Saver: A term deposit that offers compe ve interest rates, ideal for single mothers who
        want to maximize the growth of their savings.

4. Mutual Fund Investments as a Strategy for Your Child’s Future
Another strategic step to preparing educa on funds is through investment. Jenius offers mutual fund
products that enable single mothers to start inves ng with affordable capital, helping them reach goals
like educa on savings or re rement while enhancing long-term financial security. The Mutual Fund
feature in Jenius streamlines the process with simple registra on, product selec on, transac ons, and
por olio monitoring—all accessible through the app.

5. Building an Emergency Fund to Manage Unforeseen Situa ons
Preparing an emergency fund is a key step in managing unexpected expenses, such as sudden medical
costs or other urgent needs. Jenius provides a prac cal solu on with its savings feature, allowing users to
separate their emergency funds from daily expenses while s ll offering flexible access whenever needed.

In addi on to providing family needs, parents also need to teach children about financial management
from an early age to break the chain of financial challenges in the future. Jenius encourages mothers to
start financial literacy in simple ways, such as saving pocket money and star ng to learn basic investment
concepts. With the right educa on, children can grow into more financially responsible individuals, and
will be ready to face economic challenges and achieve their dreams.

Improving financial literacy for single mothers is essen al in establishing a solid founda on for their
family's financial security, par cularly for their children's future. With a clear understanding of budge ng,
saving, inves ng, and managing loans, single mothers can face financial challenges more confidently,
make wiser decisions, and ensure a more stable future for themselves and their families.

                                                           ***

For further informa on please contact:

PT Bank BTPN Tbk
Andrie Darusman – Communica ons & Daya Head
Email: andrie.darusman@btpn.com or corporate.communica ons@btpn.com

Burson Indonesia PR Agency
Ghina Khairunnisa - Media Rela ons
Telp: +62 812-9345-1877
Email: dewi.ghina@hillandknowlton.com

Bank BTPN in brief
PT Bank BTPN Tbk (Bank BTPN) is a foreign exchange bank and is a merger between PT Bank Tabungan Pensiunan Nasional Tbk
(BTPN) and PT Bank Sumitomo Mitsui Indonesia (SMBCI) in February 2019. Bank BTPN serves various segments in the banking
industry, from retail to corporate customers, including re rees, micro-, small- and medium-sized enterprises (MSME) and
produc ve underprivileged communi es; the consuming class segment; and the corporate segment. Bank BTPN provides the
services through business units, such as BTPN Sinaya—a business unit for wealth management, BTPN Purna Bak —a business
serving re rees, BTPN Micro Business—a business unit serving microbusinesses, BTPN Business Banking—a business serving
small- and medium-sized enterprises, Jenius—a digital banking pla orm serving the consuming class segment, and the corporate
business unit, which serves na onal, mul na onal, and Japanese companies. Bank BTPN also has a subsidiary, namely PT Bank
BTPN Syariah Tbk, which focuses on serving produc ve underprivileged customers. Bank BTPN also regularly provides training
sessions and informa on for customers through the Daya Program—a sustainable and measurable empowerment program—to
improve customers’ capacity so they can grow and have a chance to live be er.