BTPN Syariah
- Company typePublic
- Founded2014
- HeadquartersJakarta, Indonesia
- Headcount5,001–10,000
- GTM typeB2C
- OfferingServices
BTPN Syariah firmographics
Firmographics- Name
- BTPN Syariah
- Legal name
- PT Bank BTPN Syariah Tbk
- Website
- https://btpnsyariah.com
- Company type
- Public
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Ownership category
- akta.pro rank
BTPN Syariah industry classification
Industry- Product category
- Islamic Retail Banking
- NAICS
- Depository Credit Intermediation (5221)
- SIC
- Functions Related To Depository Banking, Nec (6099)
- akta.pro primary industry
- Islamic Transaction Banking (Cash Management & Treasury Services) (FSABAGAF)
- akta.pro secondary industry
- Islamic Corporate Banking (FSABAGAC)
Keywords
Where BTPN Syariah is headquartered
LocationHeadquarters
- HQ city
- Jakarta
- HQ country
- Indonesia
- HQ region
- Asia
Offices16 records
Markets served
BTPN Syariah business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Infrastructure, Technology or R&D, Supply Chain
Revenue model
- Financing/Loans (Pembiayaan): BTPN Syariah generates revenue primarily through Islamic financing activities, including micro and small business loans to underserved communities. The bank uses a profit-sharing (nisbah) model where returns are distributed between the bank and customers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Tepat Deposito - 1-24 month term deposits with customer nisbah of 6.02% |
| Transaction based/ take rate | Monthly | Tepat Tabungan Platinum - savings product with customer nisbah of 1.85% |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels6 records
BTPN Syariah product offering
Product offeringCore offering
BTPN Syariah is an Islamic (Sharia-compliant) bank that provides retail banking products and microfinance services to underserved Indonesian communities. Its core offerings include time deposits (Tepat Deposito), savings accounts (Tepat Tabungan Platinum), and individual micro-business financing (Tepat Imbang), all structured around profit-sharing (nisbah) ratios. The bank mobilizes funds from urban depositors and channels them as Islamic-compliant financing to women entrepreneurs and micro/small business owners in rural areas.
Product overview
BTPN Syariah operates as a sharia bank offering a portfolio of Islamic financial products. Its core offerings include Tepat Deposito (time deposits with 1-24 month terms) and Tepat Tabungan Platinum (savings products), both featuring nisbah-based profit sharing. The bank also provides Individual Financing - Tepat Imbang, a microfinance product targeting women entrepreneurs for business capital. The company supports its operations through programs like SHINE for employee development and Community Officers for field outreach. All products adhere to sharia principles, with the bank positioning itself as a #bankirpemberdaya (empowering banker) serving financially inclusive communities across Indonesia.
Differentiator
Problem solved
Functional benefit
Products and services
- Tepat Deposito A Sharia-compliant time deposit product with terms ranging from 1 to 24 months, offering customers a nisbah (profit-sharing ratio) of 6.02% (bank receives 93.98%). Targeted at urban depositors and individuals seeking Islamic-compliant investment instruments.
- Tepat Tabungan Platinum A Sharia-compliant savings account product providing customers with a nisbah of 1.85% (bank receives 98.15%) on the savings balance, billed monthly. Targeted at retail customers seeking Islamic-compliant everyday banking.
- Individual Financing - Tepat Imbang An Islamic-compliant microfinance financing product that provides business capital loans to women entrepreneurs and micro/small business owners, distributed through Individual Financing Officers (IFO) who canvass and conduct community outreach. Targets UMKM (micro and small enterprise) customers seeking Sharia-compliant working capital.
Companies that use BTPN Syariah
Customer profileSegments2 records
Ideal customer profiles3 records
BTPN Syariah technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
BTPN Syariah partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- Lembaga Penjamin Simpanan (LPS)coreLPS provides deposit insurance for BTPN Syariah customers. Maximum guaranteed deposit value is Rp2 billion per customer per bank, ensuring customer savings are protected.
- Otoritas Jasa Keuangan (OJK)coreBTPN Syariah is licensed and supervised by OJK as a Financial Services Authority regulated entity.
- Bank IndonesiacoreBTPN Syariah is supervised by Bank Indonesia as part of Indonesia's central bank regulatory framework.
- Lembaga Alternatif Penyelesaian Sengketa Sektor Jasa Keuangan (LAPS SJK)minorBTPN Syariah is a member of LAPS SJK, an alternative dispute resolution body for the financial services sector, providing a mechanism for consumer complaint resolution.
- Lembaga Keuangan Syariah Penerima Wakaf UangminorBTPN Syariah is a Sharia Financial Institution that accepts cash waqf (charitable endowments), supporting Islamic philanthropy.
Scale indicators1 record
Recent moves6 records
Expansion highlights5 records
BTPN Syariah competitors and assessment
Company assessmentEmerging players
- Bank Jago: Indonesia's leading digital-first bank (backed by Gojek/GoTo) rapidly expanding into underbanked segments. Represents the emerging tech-enabled competition that could disrupt traditional Sharia microfinance.
Direct peers
- Bank BCA Syariah: Sharia unit of Indonesia's largest private bank, providing Islamic savings, financing, and Hajj services. Competes for similar Sharia-conscious retail customers.
- Bank Muamalat Indonesia: One of Indonesia's pioneering Sharia banks offering Islamic savings, financing, and trade finance. Overlaps directly with BTPN Syariah in Sharia retail and SME products.
- Bank Syariah Indonesia: Indonesia's largest Sharia bank, formed from the merger of BNI Syariah, BRI Syariah, and Mandiri Syariah. Directly competes with BTPN Syariah in Islamic retail and SME banking, though at much larger scale.
- Bank Danamon Syariah: Sharia banking unit of Bank Danamon, serving SME and consumer segments with Islamic products. Comparable in scale and customer profile.
- Bank Mega Syariah: Sharia banking subsidiary of Bank Mega, offering Islamic savings and financing products to retail and SME segments. Comparable mid-sized Sharia competitor.
- Bank CIMB Niaga Syariah: Sharia unit of CIMB Niaga, one of Indonesia's largest private banks. Offers a parallel suite of Islamic banking products including savings, financing, and trade finance.
- Maybank Indonesia (Sharia): Sharia unit of Maybank Indonesia, one of the largest foreign-affiliated banks, offering Islamic savings, financing, and treasury services across the country.
Broad incumbents
- Bank Mandiri: Indonesia's largest bank by assets with a Sharia unit (formerly Mandiri Syariah, now merged into BSI). Represents the broader incumbent banking competition BTPN Syariah faces for deposits and SME customers.
- Bank Rakyat Indonesia (BRI): Indonesia's largest microfinance bank, dominant in rural lending through its unit BRILink. Overlaps with BTPN Syariah's microfinance customer base but operates as a conventional (non-Sharia) bank.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
BTPN Syariah social profiles
Digital presenceBTPN Syariah compliance and trust
Trust signalCompliance4 records
BTPN Syariah financial estimates
Financial estimateRevenue estimate
Valuation estimate
BTPN Syariah leadership team
Management profileNumber of profiles
Profiles1 record
BTPN Syariah funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
BTPN Syariah M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about BTPN Syariah
What does BTPN Syariah do?
BTPN Syariah is an Islamic (Sharia-compliant) bank that provides retail banking products and microfinance services to underserved Indonesian communities. Its core offerings include time deposits (Tepat Deposito), savings accounts (Tepat Tabungan Platinum), and individual micro-business financing (Tepat Imbang), all structured around profit-sharing (nisbah) ratios. The bank mobilizes funds from urban depositors and channels them as Islamic-compliant financing to women entrepreneurs and micro/small business owners in rural areas.
Is BTPN Syariah a public or private company?
BTPN Syariah is a public company. It is classified as public and is currently operating.
When was BTPN Syariah founded?
BTPN Syariah was founded in 2014. It employs 5,001 to 10,000 people.
Where is BTPN Syariah based?
BTPN Syariah is headquartered in Jakarta, Indonesia, in the Asia region.
How does BTPN Syariah make money?
One revenue line is on record: financing/Loans (Pembiayaan).
Who are BTPN Syariah's main competitors?
Bank Jago is listed as an emerging player. Direct peers are Bank BCA Syariah, Bank Muamalat Indonesia, Bank Syariah Indonesia, Bank Danamon Syariah, Bank Mega Syariah, Bank CIMB Niaga Syariah and Maybank Indonesia (Sharia). Broad incumbents are Bank Mandiri and Bank Rakyat Indonesia (BRI).
Does BTPN Syariah have an API?
No public API is recorded for BTPN Syariah.
What industry is BTPN Syariah in?
BTPN Syariah's product category is Islamic Retail Banking. Its primary akta.pro industry code is FSABAGAF, Islamic Transaction Banking (Cash Management & Treasury Services), with a secondary code of FSABAGAC, Islamic Corporate Banking. Its NAICS code is 5221 and its SIC code is 6099.