{
    "success": true,
    "data": {
        "id": 1732986,
        "msgid": "st016-investment-starts-from-rp-1-million-here-are-the-benefits-offered-1778559372",
        "date": "2026-05-12 09:09:00",
        "title": "ST016 Investment Starts from Rp 1 Million, Here Are the Benefits Offered",
        "author": "Sakina Rakhma Diah Setiawan",
        "source": "KOMPAS",
        "tags": "",
        "topic": "Investment",
        "summary": "The Indonesian government has launched the ST016 Savings Sukuk, a sharia-compliant retail investment instrument starting from Rp 1 million, available in two-year and four-year tenors. This product features floating coupons with a minimum rate tied to Bank Indonesia's benchmark, monthly payouts for passive income, and full state guarantees on principal and returns. It provides a secure, sharia-based option for individual investors seeking stable yields amid interest rate fluctuations.",
        "content": "<p>The government is once again offering a sharia-compliant retail\ninvestment instrument through the ST016 Savings Sukuk series. This State\nSharia Securities (SBSN) product serves as one of the investment options\nfor the public seeking sharia-based instruments backed by the state and\nproviding regular returns. Based on official information from the\nMinistry of Finance, quoted on Tuesday (12\/5\/2026), ST016 is offered in\ntwo tenor options: ST016T2 with a two-year term and ST016T4 with a\nfour-year tenor. Savings Sukuk is a sharia-compliant investment\ninstrument issued by the government for individual Indonesian citizen\ninvestors. This product is issued based on sharia principles and has\nreceived a sharia opinion from the National Sharia Council of the\nIndonesian Ulema Council (DSN-MUI). So, what are the benefits of\ninvesting in ST016 Savings Sukuk? Here are some of them. This scheme\nallows coupons to rise following increases in Bank Indonesia\u2019s (BI)\nbenchmark interest rate, or BI Rate, but not fall below the\npredetermined minimum level at issuance. \u201cFloating coupon with minimum\ncoupon rate (floating with floor), meaning the coupon can rise following\nincreases in the BI Rate but will not fall below the minimum coupon,\u201d\nstated the Ministry of Finance. This characteristic ensures investors\nreceive protection of the minimum coupon rate if the benchmark interest\nrate declines. In addition, ST016 coupons are paid regularly every month\nuntil maturity. This periodic payment makes Savings Sukuk one of the\ninstruments favoured by investors for generating passive income. Another\nbenefit of ST016 investment is the state guarantee on the payment of\nprincipal and returns. The government states that coupon and principal\npayments are guaranteed by law.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/st016-investment-starts-from-rp-1-million-here-are-the-benefits-offered-1778559372",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}