![](https://davidwijaya.com/wp-content/uploads/2023/09/Mengenal-SBN-Ritel-Investasi-Resiko-Minim.jpg)
Akhirnya Kabar baik datang! Tahun ini juga, Pemerintah kembali menawarkan Surat Berharga Negara (SBN) dan salah satu jenisnya Savings Bond Ritel (SBR) resmi terbit per 19 Januari kemarin. Sehingga pertanyaannya, Kira-kira gimana struktur SBR yang baru terbit ini?
Ternyata SBN Ritel 100% dijamin negara
Ternyata SBN Ritel menjadi produk investasi yang dikeluarkan Pemerintah dan ditawarkan kepada masyarakat umum sebagai partisipasi dalam APBN. Jadi Simple-nya, kamu meminjamkan sejumlah dana ke Pemerintah dalam jangka waktu tertentu. Kemudian Setelah jatuh tempo/masa berlaku habis, modal yang kamu pinjamkan/investasikan akan dikembalikan 100% oleh Pemerintah. Untungnya lagi, selama periode itu kamu juga akan menerima imbal hasil/kupon!
SBN terbilang instrument investasi yang aman karena 100% dijamin negara dengan risiko yang minim bahkan zero risk!
Jadi Inilah Jadwal Terbit SBN Ritel 2023
Jenis | Seri | Tanggal Terbit | |
Pertama, Saving Bond Ritel (SBR) | SBR012 | 19 Januari – 9 Februari 2023 | |
Kedua, Sukuk Ritel (SR) | SR018 | 3 – 29 Maret 2023 | |
Ketiga, Sukuk Tabungan (ST) | ST010 | 12 – 31 Mei 2023 | |
Sukuk Wakaf Ritel | SWR004 | 5 Mei – 22 Juni 2023 | |
Obligasi Negara Ritel (ORI) | ORI023 | 26 Juni – 20 Juli 2023 | |
Sukuk Ritel (SR) | SR019 | 18 Agustus – 13 September 2023 | |
Obligasi Negara Ritel (ORI) | ORI024 | 9 Oktober – 2 November 2023 | |
Terakhir, Sukuk Tabungan (ST) | ST011 | 3 – 29 November 2023 |
Berikut Sumber: Instagram Kementerian Keuangan
Nah, dari sekarang dicatat ya guys tanggalnya!
SBR012 dengan 2 Tenor
Berbeda dari sebelumnya, tahun ini SBR012 langsung terbit dengan 2 tenor dalam sekali penawaran, yaitu tenor 2 tahun (SBR012-T2) dan 4 tahun (SBR012-T4).
Bahkan, Deni Ridwan selaku Direktur Surat Utang Negara (SUN) Kemenkeu, mengatakan di hari pertama penawaran SBR012 sudah mendapat pesanan hingga Rp1,82 triliun dengan jumlah investor 8.383 SID!
Gimana struktur SBR012 tahun ini?
SBR012-T2 | SBR012-T4 | |
Pertama dari Penerbit | Pemerintah RI | Pemerintah RI |
Kedua, Kupon | 6,15% per tahun | 6,35% per tahun |
Ketiga, Masa Penawaran | 19 Januari – 9 Februari 2023 | 19 Januari – 9 Februari 2023 |
Setelmen/Penerbitan | 15 Februari 2023 | 15 Februari 2023 |
Minimum Pemesanan | Rp1 Juta | Rp1 Juta |
Maksimum Pemesanan | Rp5 Miliar | Rp5 Miliar |
Penyampaian Minat Early Redemption | 26 Februari – 5 Maret 2024 | 24 Februari – 4 Maret 2025 |
Jatuh Tempo | 10 Februari 2025 | 10 Februari 2027 |
Terakhir, Bentuk | Tanpa warkat, tidak dapat diperdagangkan/dicairkan sampai jatuh tempo kecuali pada early redemption | Tanpa warkat, tidak dapat diperdagangkan/dicairkan sampai jatuh tempo kecuali pada early redemption |
Berikut Sumber: Kementerian Keuangan
Jadi yuk, Coba Kita Simulasi!
Selanjutnya Berapa imbal hasil/kupon yang kita dapatkan bila berinvestasi Rp10juta?
Keterangan | Cara Hitung | Nilai Kupon (Rupiah) | |
SBR012-T2 | SBR012-T4 | ||
Pertama dari Nilai investasi | 10.000.000 | 10.000.000 | |
Kedua, Kupon/tahun | 1.000.000 x kupon% | 615.000 | 635.000 |
Ketiga, Kupon/bulan | Kupon per tahun:12 | 51.250 | 52.917 |
Pajak/bulan | Kupon per bulan x 10% | 5.125 | 5.292 |
Terakhir, Kupon bersih/bulan | Kupon – pajak | Rp46.125 | Rp47.625 |
Jadi, dengan berinvestasi 10 juta kita mendapat imbal hasil/kupon bersih per bulan untuk 1 unit SBR012-T2 sebesar Rp46.125 dan SBR012-T4 sebesar Rp47.625. Nah, bayangin kalau investasi Rp100 juta? Pasti lumayan banget jadi passive income!
Kemudian Berapa Target SBN Ritel 2023?
Tingginya antusias masyarakat pada penerbitan SBN Ritel tahun lalu membuat Pemerintah berencana untuk menambah target penerbitan tahun ini jadi Rp130 triliun dari yang sebelumnya Rp100 triliun!
Kemudian Inilah Akhir Kata
Nah jadi, kalau kalian udah kepikiran belum jenis SBN ritel apa yang mau diinvestasikan tahun ini?
Berikut Sumber:
https://www.tanamduit.com/belajar/surat-berharga-negara/jadwal-sbn-surat-berharga-negara
Great read! The depth and clarity of your analysis are impressive. If anyone is interested in diving deeper into this subject, check out this link: DISCOVER MORE. Looking forward to everyone’s thoughts!
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