Customer Referral Program

Saving Referral Program


 

  • Deposit

    Incentive* that the referrer will get

    • Awarded for 3 consecutive years:
      Years Incentive per year
      (of the total funds placed)
      1 0,25%
      2 0,25%
      3 0,25%

      *as of January 2021, subject to change

    • Incentive are paid every month
    • For Deposit products, a minimum placement of IDR 100 million per customer and a maximum placement of IDR 10 billion per customer applies
    • Income tax on incentive, borne by the referrer


    Incentive Calculation Illustration
    Ari referred Budi to place his funds in the Bank Sampoerna Deposit. On April 1, 2021, Budi opened a time deposit with a tenor of 1 year worth IDR 1.2 billion. On April 1, 2022, Budi opened a time deposit with a tenor of 1 year with an increase in value to Rp 3 billion. Furthermore, on April 1, 2023, Budi extended his time deposit by IDR 3 billion with a tenor of 1 year.

    Incentive that will be received by Ari from the funds placed by Budi:

    Year 1 (Period 1 April 2021 – 31 March 2022):
    IDR 1.2 billion x 0.25% = IDR 3,000,000

    Incentive in April 2021:
    (IDR 3,000,000 x 31): 365 days = IDR 254,795 per month

    Year 2 (Period 1 April 2022 – 31 March 2023):
    IDR 3 billion x 0.15% = IDR 4,500,000

    Incentive in April 2022:
    (IDR 3,000,000 x 31): 365 days = IDR 382,192 per month

    Year 3 (Period 1 April 2023 – 31 March 2024):
    IDR 3 billion x 0.10% = IDR 3,000,000

    Incentive in April 2023:
    (IDR 3,000,000 x 31): 365 days  = IDR 254,795 per month

     

    Total incentive received by Ari:
    3.000.000 + 4.500.000 juta + 3.000.000 = Rp 10.500.000

     

  • Savings & Current Accounts

    Incentive* that the referrer will get

    • 0.50% per annum of funds deposited by new customers
    • Incentive are paid every month for 1 year
    • For Savings & Current Accounts, there is a minimum placement of IDR 10 million per customer and there is no maximum limit
    • Income tax on incentive, borne by the referrer

    * as of January 2021, subject to change

     
    Incentive Calculation Illustration
    Rudy referred Faisal to place his funds in Bank Sampoerna’s High Yield Savings Account. On March 1, 2021, Faisal opened an account and deposited Rp 1.2 billion. On September 1, 2021, Faisal increased the deposit amount to Rp 3 billion.

    Incentive that will be received by Rudy from the funds placed by Faisal

    Period 1 March – 31 August 2021:
    IDR 1.2 billion x 0.5% = IDR. 6,000,000

    Incentive in March 2021:
    (IDR 6,000,000 : 12 months) = IDR 500,000 per month

    Period 1 September – 28 February 2022:
    IDR 3 billion x 0.5% = IDR. 15,000,000

    Incentive in September 2021:
    (IDR 15,000,000 : 12 months) = IDR 1,250,000 per month

    Total incentive received by Rudy =
    (6 x 500.000) + (6 x Rp 1.250.000) = IDR 10.500.000


What to do when referring your friends or family?

Find potential customers to refer.
Visit Relationship Manager or Customer Service at the nearest Bank Sampoerna branch.
Fill in the loan referral program form and submit the personal data of the prospective customer to be referred.
Bank Sampoerna will contact prospective customers and continue the loan referral program process.
If deposit has been placed you get an incentive.
Program Pemberi Referensi Pinjaman ProBiz

Incentive* that the referrer will get

  • Up to 2% of disbursed loan
  • Various incentive:
    i.   Disbursement incentive
    ii.  Maintenance/renewal of incentive
    iii. Loyalty incentive
  • Income tax on incentive, borne by the referrer
    *as of March 2019, subject to change
     

Incentive you can receive as referrals (percentage of disbursements)

Provisi 1 2 2 3 Total
Disbursement
incentive		 Maintenance
incentivea		 Incentive for Extensionb Loyalty
Incentivec
1 2 Installment Loan Flexible Loan
5% 1,750% 0,875% 0,875% 0,525% 0,2500% 2,875% 3,400%
4% 1,250% 0,625% 0,625% 0,375% 2,125% 2,500%
3% 0,750% 0,375% 0,375% 0,225% 1,375% 1,600%
2% 0,250% 0,125% 0,125% 0,075% 0,625% 0,700%
1% – – – – – –


a. On installment loans
b. For flexible loans (giro loans) and given if the loan is current, not restructured and does not violate any provisions ketentuan
c. Given if there are at least 6 borrowers referred in 1 year


Incentive Calculation Illustration
In 2019, Cinta helped Rangga apply for an Installment Loan at Bank Sampoerna of Rp 1 billion. The fee charged is 5%. Cinta also helped apply for loans from 9 other members with the same amount and terms. 4 out of 10 installment loans have been in operation for 9 months at the end of the year. Until the end of 2019, all loans are current. The incentive that Love gets are:

Disbursement incentive

Plafon : 1 billion
Provisi : 5%
Number of members : 10
Incentive : Plafon x Incentive
  = IDR 1 billion x 1,75%
  = IDR 17.500.000/members
  = IDR 175.000.000


Maintenance incentive

Plafon : 1 billion
Provisi : 5%
Number of members ≥ 9 months : 4 members
Incentive : Plafon x Incentive
  = IDR 1 billion x 0,875%%
  = IDR 8.750.000/members
  = IDR 35.000.000


Loyalty Incentive

Number of members : 10
Total Plafon : 10 billion
Incentive : Plafon x Incentive
  = IDR 10 billion x 0,25%
  = IDR 25.000.000

 

Total of Incentive : 175 million + 35 million + 25 million = IDR 235 million


What to do when referring your friends or family?

Find potential customers to refer.
Visit Relationship Manager or Customer Service at the nearest Bank Sampoerna branch.
Fill in the loan referral program form and submit the personal data of the prospective customer to be referred.
Bank Sampoerna will contact prospective customers and continue the loan referral program process.
If deposit has been placed you get an incentive.

Register as a referral