Bandung. bank bjb is strengthening its commitment to financial literacy and inclusion through the offering of Sukuk Tabungan ST016, a retail Islamic investment instrument designed to provide accessible and long-term investment opportunities for the public.

The government-issued ST016 is part of Indonesia’s efforts to expand public participation in national development financing while also supporting the growth of the country’s Islamic finance market.

In this year’s offering, ST016 comes in two tenor options: ST016T2 with a two-year tenor offering a 6.05% annual return, and ST016T4 with a four-year tenor offering a 6.25% annual return. The returns are considered competitive amid current financial market conditions.

As a Green Sukuk Ritel instrument, ST016 is issued and fully guaranteed by the Indonesian government. The product also reflects the government’s commitment to sustainable and innovative financing instruments aimed at supporting climate change mitigation and the development of the Islamic financial sector.

The ST016 offering period runs from May 8 to June 3, 2026, and can be accessed digitally through bank bjb’s online investment services.

Through its integrated digital platform, customers can register and purchase ST016 online without visiting a branch office. The service allows investors to choose investment products that match their financial goals and risk profiles.

bank bjb said it continues to develop financial solutions that are relevant to modern consumer needs, including accessible investment products for younger generations and first-time investors.

The bank also encouraged the public to take advantage of the ST016 offering as an initial step toward building healthy and productive investment habits. With relatively affordable minimum investment requirements, the product is expected to attract broader public participation.

Amid rising awareness of financial planning, government investment instruments such as ST016 are increasingly viewed as attractive options because they carry relatively low risk compared with many other investment products.

Through the campaign tagline “Pilihan Berharga untuk Langkah Aman Hari Depan” (“A Valuable Choice for a Safer Future”), bank bjb aims to encourage people to make investing part of a healthy, future-oriented financial lifestyle.

bank bjb is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia, and is a participant in the deposit insurance program managed by the Deposit Insurance Agency (LPS).

More information about ST016 is available at the nearest bank bjb branch office, through the bjb Call 14049 service, or via the official website at infobjb.id/obligasiRitel.