MPLS 2025

Summary

The video script discusses a financial literacy session delivered by Bank BPD Bali to students at SMK Negeri 2 Tabanan. The presenters introduce the concept of 'Simple Accounts,' a student savings account designed to promote financial literacy and saving habits from a young age. They explain the features of these accounts, including low initial deposits, no monthly fees, and easy access to mobile banking and ATMs. Various questions from students are answered, including topics on account management, interest rates, and online security. The session emphasizes the importance of financial responsibility and the role of parents in supporting students' financial education.

Takeaways

• 😀 The Simple Savings Account is a student savings account that can be opened from early childhood education to high school.
• 😀 The program is a collaboration between OJK and banks in Indonesia to promote saving habits from an early age.
• 😀 The aim of the Simple Account is to teach students about saving, personal finance management, and increase financial inclusion in Indonesia.
• 😀 The initial deposit for a Simple Account is only IDR 5,000, and subsequent deposits can be as low as IDR 1,000, with no monthly administration fee.
• 😀 To open a Simple Account, students need their parents' signatures along with required documents such as the parents' ID card, family card, and birth certificate.
• 😀 The benefits of having a Simple Account include learning to save, securing money safely in the bank, and easily managing school fee payments.
• 😀 Simple Accounts allow students to make deposits at the bank or through parents at schools, with banks occasionally collecting savings.
• 😀 Mobile banking and ATM access are available with parental consent for minors, making transactions and managing the account more accessible.
• 😀 Questions from students can be addressed directly through comments during presentations, with rewards for those who ask questions.
• 😀 If students graduate or turn 18, their Simple Account will be closed, and they will need to open a regular savings account with higher deposit requirements and an administration fee.

Q & A

What is the purpose of the simple savings account introduced in the transcript?

The purpose of the simple savings account is to encourage students to develop a culture of saving from an early age, educate them about personal financial management, and increase financial inclusion in Indonesia.

What are the requirements to open a simple savings account for students?

To open a simple savings account, students need the signatures of their parents (either mother or father), along with required documents such as the parent's ID card, family card, and the student's birth certificate.

What is the minimum deposit required to open a simple savings account?

The minimum deposit required to open a simple savings account is IDR 5,000, with subsequent deposits of at least IDR 1,000.

Can students use mobile banking or ATMs with their simple savings accounts?

Yes, students can use mobile banking and ATMs, but because they are minors, parental consent is required for mobile banking and ATM ownership.

What are the benefits of having a simple savings account for students?

The benefits include learning to save from an early age, ensuring money is safer in the bank, the ability to use funds for urgent needs like educational expenses, and learning to manage financial responsibilities.

How can students deposit money into their simple savings accounts?

Students can deposit money either by visiting the bank themselves, having their parents deposit it, or in some cases, the bank may collect savings at certain periods.

What happens to a simple savings account when a student graduates or turns 18?

Once a student graduates or turns 18, their simple savings account must be closed, and they will transition to a regular savings account that requires a minimum deposit and may include monthly administration fees.

What should students do if their simple savings account was previously inactive for a long time?

If a simple savings account has been inactive for more than six months, it may incur an administrative fee of IDR 1,000. To reactivate or check the status, students should contact the bank.

Can students access their savings in a simple account at any time?

Yes, students can withdraw funds from their simple savings account at any time, as long as the balance does not exceed IDR 20 million.

Is there an interest or administration fee associated with the simple savings account?

There is no administration fee for the simple savings account as long as there are regular deposits. Interest may not be significant, but the main advantage is the absence of monthly fees.