Kopra by Mandiri Simplifies Real-Time Monitoring of DHE SDA
Republika.co.id, Jakarta - Bank Mandiri continues to enhance operational capabilities and business solutions for business players. Now, through the Wholesale Digital Super Platform Kopra by Mandiri, Bank Mandiri presents a solution that helps exporters monitor, manage, and ensure compliance with the placement of foreign exchange proceeds from export of natural resources (DHE SDA) into a Special Account (Rekening Khusus, Reksus) in accordance with applicable regulations.
As regulated by Government Regulation Number 8 of 2025, DHE SDA is foreign exchange derived from the exploitation, management, and/or processing of natural resources that must be placed in the national financial system through certain mechanisms. Managing DHE SDA requires administrative meticulousness and consistent transaction monitoring so that companies can maintain compliance while optimising cash flow.
Answering this need, Kopra by Mandiri introduces the DHE Tracker feature designed to provide comprehensive visibility of incoming transactions to the DHE SDA Special Account. Through this feature, companies can monitor funds in real time so the reconciliation and recording processes are more accurate, fast, and efficient.
Senior Vice President Digital Wholesale Banking Bank Mandiri Yohan Sugiono said, with ongoing innovation, the company ensures DHE SDA management not only meets compliance aspects but also provides ease, transparency, and efficiency for exporters. Through Kopra by Mandiri, companies can manage foreign exchange obligations more controlled while optimising business liquidity.
“This innovation is part of Bank Mandiri’s commitment to support Indonesian exporters to grow sustainably and competitively in global markets. At the same time, it also strengthens the national financial system and drives sustainable economic growth,” Yohan said in an official statement on Friday (6/3/2026).
Through the DHE Tracker feature, exporters gain various conveniences in supporting their business operations. Reporting and auditing, all information is available in a single integrated digital ecosystem, minimising the risk of recording errors and data duplication.
One of the main advantages of this feature is self-flagging capability. This feature allows the company to categorise incoming funds by type, such as crude oil and gas export proceeds, non-oil and gas, or other transactions in accordance with regulations.
That grouping helps the finance team in preparing internal reports, supporting audit processes, and ensuring regulatory obligations are more orderly and well-documented.
The system is also equipped with automatic notifications whenever funds enter the DHE SDA Special Account. This information can be accessed directly via the Kopra platform, so companies no longer need to perform periodic manual checks. With this more proactive approach, monitoring of foreign exchange flows becomes more responsive and provides certainty in financial decision making.
In addition, incoming transaction reports can be downloaded as supporting administrative documents, making it easier for companies to store archives and prepare documents required for reporting or audits.
With transparent monitoring, systematic transaction grouping, and easy access to information, DHE Tracker on Kopra by Mandiri becomes a strategic partner for companies in maintaining compliance, improving operational efficiency, and supporting the stability of the national financial system.
“The presence of DHE Tracker further strengthens Kopra by Mandiri’s role as an enabler of digital transformation in the wholesale sector, as well as a catalyst for national economic growth,” said Yohan.
For information, as of December 2025, the value of Kopra by Mandiri transactions had surpassed Rp 27,000 trillion or grew more than 20% year-on-year, with transaction volume reaching 1.5 billion or up 14% compared to the same period last year. The number of Kopra users had also surpassed more than 300,000, reflecting increasing corporate trust in Bank Mandiri’s digital services.