dana pensiun iuran pasti iuran pasti

Name

dana pensiun iuran pasti iuran pasti

Legal name

Dana Pensiun Bank Indonesia Iuran Pasti (DAPENBI IP)

Website

https://dapenbiip.co.id

Company type

Private

Founded year

2021

Operating status

Operating

Ownership category

akta.pro rank

Headquarters

HQ city

Jakarta Pusat

HQ country

Indonesia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Pension Fund Management (Contribution-based): DAPENBI IP operates as a defined contribution (iuran pasti) pension fund. Revenue is derived from managing participant contributions and investment returns. The fund does not charge participants directly but earns returns through investment management of pooled funds. For hybrid participants (BI employees appointed before 2015): Founder contribution 8.5%, Participant contribution 0.5%. For pure defined contribution participants (appointed after 2015): Founder contribution 17%, Participant contribution 3%.
2. Investment Return on Fund Assets: Returns generated from investing pooled pension funds in approved instruments (SBN/government bonds, money market/deposits, and equities). In 2022, return on investment was 5.34% (book value), outperforming benchmark by 206 bps. As of December 2022, money market return was 5% compared to DPLK BRI's 3.3%.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

DAPENBI IP is an employer-sponsored defined contribution (Iuran Pasti) pension fund established by Bank Indonesia. It manages retirement savings for BI employees through two simultaneous programs — Conventional and Sharia — collecting monthly contributions (founder plus employee share), investing pooled assets in money market, fixed income (SBN), and equities via a Strategic Asset Allocation framework, and disbursing benefits at retirement as lump sums or via annuity purchases from partner life insurers. Participants access services through the website portal and mobile applications.

Product overview

DAPENBI IP (Dana Pensiun Bank Indonesia Iuran Pasti) operates as a defined contribution pension fund for Bank Indonesia employees, offering both Conventional and Sharia programs under a single institutional umbrella. As of August 2026, the fund manages 5,315 participants (5,079 general accounts, 236 special accounts) with Rp898 billion in migrated assets. The core product portfolio includes the main pension programs (Conventional at 48.58% of participants, Sharia at 51.42%), complemented by voluntary contribution features, pension benefit simulation tools, and digital access via mobile applications (iOS/Android) and web portal. Investment operations focus on Fixed Income (SBN/government bonds) and Money Market instruments (deposits), managed through a Strategic Asset Allocation framework with separate Investment and Liquidity tranches. The fund provides regular market intelligence updates and processes pension benefit payments including lump-sum distributions and annuity purchases from insurance partners.

Differentiator

Problem solved

Functional benefit

Products and services

• Program Pensiun Iuran Pasti Konvensional (Conventional Defined Contribution Pension Program) Conventional defined contribution pension program where participant balances accumulate from founder (Bank Indonesia) and employee monthly contributions plus investment returns; for employees appointed after 2015, founder contributes 17% and participant 3% of salary. Payouts are made as lump sum or annuity at retirement, with 48.58% of participants (2,582 of 5,315) enrolled as of August 2026.
• Program Pensiun Iuran Pasti Syariah (Sharia-Compliant Defined Contribution Pension Program) Sharia-compliant defined contribution pension program operating simultaneously with the conventional program, observing Islamic finance principles (no riba), with conservative asset allocation aimed at stable long-term returns. 51.42% of total 5,315 participants (2,733) were enrolled as of August 2026.
• Iuran Sukarela (Voluntary Contribution Program) Optional additional contribution program allowing DAPENBI IP participants to top up their pension savings beyond mandatory monthly iuran to enhance retirement benefits.
• Pembayaran Manfaat Pensiun (Pension Benefit Payment Service) Pension benefit payment service including lump-sum payments (20% for normal retirement above regulatory threshold, 100% for amounts below threshold), routing of larger balances through monthly annuity purchases from partner life insurance companies, and survivor benefits for designated beneficiaries.
• DAPENBI IP Mobile Application (Android & iOS) Mobile application available on Google Play Store and Apple App Store enabling participants to access pension account information, view balances, monitor investment performance, manage pension benefits, and submit digital service requests.
• Participant Portal (Web Login) Web-based participant portal that allows registered members to access account information, view pension balances, review investment performance, and manage their pension profile online.
• Simulasi Saldo Manfaat Pensiun (Pension Balance Simulation Tool) Online simulation tool enabling participants to estimate expected pension balance at retirement based on contribution history and projected investment performance.
• Market Update & Financial Intelligence Reports Regular Financial Market Update publications covering Indonesian and global economic conditions, interest rates, exchange rates, bond yields, and stock market indices to inform participants about factors affecting their pension balances.

Quantifiable outcome

• Return on investment of 5.34% (book value) in 2022, outperforming benchmark by 206 basis points
• +4 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Asosiasi Dana Pensiun Indonesia (ADPI)coreOthersDAPENBI IP is registered as a member of the Asosiasi Dana Pensiun Indonesia (ADPI), the Indonesian Pension Fund Association. ADPI provides industry representation, benchmarking, and awards programs. DAPENBI IP received 3rd place in the ADPI Award 2023 (Dapen Berkinerja Terbaik Ketiga, kategori aset di atas Rp500M) among 172 member pension funds.
• Life Insurance Companies (Perusahaan Asuransi Jiwa)minorChannel Partner/ Reseller/ DistributorDAPENBI IP works with life insurance companies for the purchase of annuity products (Anuitas Seumur Hidup) for participants whose pension balances exceed regulatory thresholds. Participants choose their preferred insurance company for converting lump-sum pension balances into monthly annuity payments. Insurance companies must be OJK-approved and have maintained minimum solvency targets for 3 consecutive years.
• Otoritas Jasa Keuangan (OJK)coreOthersOJK is the regulatory authority overseeing DAPENBI IP's operations. The fund was established through OJK approval (KEP-58/D.05/2021) and operates under POJK regulations including POJK 5/2017 on Contributions, Benefits and Other Benefits, and POJK 15/2019 on Pension Fund Governance. OJK conducts regular examinations of fund operations.
• Kantor Akuntan Publik (KAP) - Public Accounting FirmminorOthersIndependent external auditor providing annual financial statement audits. DAPENBI IP received Wajar Tanpa Modifikasian (WTM/Unqualified Opinion) audit opinion for its 2021 financial statements from a KAP, demonstrating strong financial controls and reporting quality.

Scale indicators9 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• DPLK BRI: Bank Rakyat Indonesia's defined-contribution pension program (DPLK BRI) directly comparable to DAPENBI IP. DAPENBI IP migrated 5,081 participants and Rp898B out of DPLK BRI in September 2021, and DAPENBI IP's own data uses DPLK BRI as the principal cost-and-return benchmark (admin 0.59%, money market return 3.3%).
• DPLK BNI: Bank Negara Indonesia's defined-contribution pension program. Operates a similar bank-sponsored DPLK model for BNI employees and offers individual participants a comparable DC retirement accumulation structure subject to the same OJK regulatory framework.
• DPLK Bank Mandiri: Bank Mandiri's DPLK program — a state-owned bank DC pension provider serving Mandiri employees and external participants. Comparable product structure, target segment (banking employees), and regulatory environment as DAPENBI IP.
• DPLK BTN: Bank Tabungan Negara's defined-contribution pension program. Another state-owned bank DPLK operating under POJK 5/2017 with comparable participant structure (bank employees, defined-contribution accumulation, lump-sum/annuity payout).
• Dana Pensiun PLN: Employer-sponsored pension fund for PT PLN (state electricity utility) employees. Directly comparable as an Indonesian DPPK serving a single state-owned enterprise's workforce with regulatory and operational similarity to DAPENBI IP.
• Dana Pensiun Telkom: Employer-sponsored pension fund for PT Telkom Indonesia employees. Operates as a DPPK under the same OJK framework and serves a similar single-employer participant base, making it structurally analogous to DAPENBI IP.
• Dana Pensiun Pertamina: Employer-sponsored pension fund for PT Pertamina employees. Comparable DPPK model serving a large state-owned enterprise workforce, with similar governance, investment, and participant service obligations as DAPENBI IP.
• Dana Pensiun Garuda Indonesia: Employer-sponsored pension fund for Garuda Indonesia employees. Another Indonesian DPPK operating under OJK oversight for a state-linked airline, sharing comparable participant and regulatory characteristics with DAPENBI IP.

Broad incumbents

• TASPEN: State-owned pension fund managing civil servant pensions (Tabungan dan Asuransi Pegawai Negeri). Much larger and broader incumbent operating in the same Indonesian pension space but covering the civil service at scale rather than a single enterprise.
• BPJS Ketenagakerjaan: National social security agency administering JHT (old-age savings) and JP (pension) programs for private-sector workers across Indonesia. Overlaps with DAPENBI IP's retirement accumulation role but at vastly greater scale and as a mandatory national scheme rather than an enterprise-level DC fund.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/dana-pensiun-bank-indonesia-iuran-pasti

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about dana pensiun iuran pasti iuran pasti