Cimb Products and Services (New)

MANAGEMENT OF COOPERATIVES AND
SME’S
BUSINESS PLAN
MEMBERS OF GROUP:
DELLA NOOR QOMARA (B1024181004)

MUHAMMAD YODI KAIDAVI (B1024181007)
MUHAMMAD FAHRI ASHIDDIQIE (B1024181015)
MUHAMMAD RIZQULLAH NAUFAL (B1024181018)
LEKAWATI RATULOLY PUTRI (B1024181031)
MANAGEMENT INTERNATIONAL CLASS

UNIVERSITAS TANJUNGPURA
2019
PREFACE
Praise us for the presence of Almighty God because of His grace and guidance so
that we can complete a scientific work entitled CIMB Niaga’s Products and Services.
We also express our gratitude to our dear lecturer, Heriyadi, S.E, M.E, Ph.D. who
always provide support, suggestion, advices, motivation, and guidance so that this paper
can be arranged properly.
Hopefully the Bank Management paper that we have compiled has also enriched the
wealth of Economics sciences especially in Bank Management field and can increase the
knowledge and experience of the readers.
As a sentence that states that nothing is perfect. We also realize that this paper also
still has many shortcomings. Therefore we expect suggestions and input from all readers for
the preparation of Bank Management Paper with a similar theme that is even better.
Pontianak, September 2019
Authors
I
Table of Content
PREFACE ........................................................................................................... I
TABLE OF CONTENT ..................................................................................... II
CHAPTER 1 INTRODUCTION....................................................................... 1
A. Background .................................................................................................... 1
B. Purpose ........................................................................................................... 2
CHAPTER II SEGMENTING, TARGETING, AND POSITIONING ......... 5
C. Segmenting ..................................................................................................... 5
D. Targeting ........................................................................................................ 5
E. Positioning ...................................................................................................... 6
CHAPTER III Aspect ........................................................................................ 62
F. Production....................................................................................................... 62
G. Marketing ....................................................................................................... 62
H. Financial ......................................................................................................... 62
I. Human Resource ............................................................................................. 62
J. Strategic Planning .......................................................................................... 62
CHAPTER IV METHOD PLAN ...................................................................... 62
CHAPTER V FINANCIAL PROJECTION .................................................... 62
CHAPTER VI CONCLUSION AND RECOMENDATION ......................... 62
K. Conclusion ...................................................................................................... 62
L. Recommendation ........................................................................................... 62
ii
CHAPTER 1
INTRODUCTION
A. The Background
In globalization era, home industry is increasing, especially

local product. Snacks are very popular among teenagers in
Indonesia, because snacks are very easy to find. Many of us
consume snacks with many types and flavors, but now these snacks that circulate around us
are somewhat unhealthy. Therefore we intend to make healthy snacks but still have a
delicious taste so that it can be accepted by many audiences.
The snacks we will produce are made from healthy vegetables, carrots and purple
sweet potatoes. Many benefits we can get from these two vegetables. Carrots are a good
source of beta carotene. In the body, beta carotene will be processed into vitamin A which
is good for eye and skin health. This vitamin is able to protect the eyes from a variety of
disorders, such as macular degeneration, cataracts, glaucoma. In 100 grams of carrots, there
is at least 6 mg of vitamin C. This vitamin is one source of antioxidants and can help the
skin recover faster from wounds and injuries.
In one medium-sized purple sweet potato contains 4 grams of fiber. This amount
meets 15 percent of the daily value of fiber intake. While in one medium potato only
contains 2 grams of fiber or 9 percent of the daily value of fiber intake. The high fiber
content in purple sweet potatoes can help you lose weight. The reason is, fiber makes you
feel full after eating and maintain appetite. Purple sweet potatoes also contain a certain type
of fiber called resistant starch. Based on research published in the journal Biomedical and
Environmental Science, a diet rich in resistant starch helps reduce the risk of obesity.
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From this reason we decided to use carrots and purple sweet potatoes as the basic
ingredients of our snack products. We named our product Hychips which stands for
Healthy Chips. This business has a good prospects to be developed especially by student in
university like us. Besides our product can be known by many people, getting high profit is
one of our goals in increasing the progress of the business.
B. The Purpose
In running a business, an entrepreneur has the purpose why she or he establishes the
business. The followings are the purposes of our business:
1) To increase local product
2) To share business experience
3) To improve market opportunities and prospect
4) To get profit
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CHAPTER II
DISCUSSION
2.1 The Definition of Bank
The bank literally comes from the Italian language, namely Banco which means
bench. The bench itself refers to the table that is used by bankers to carry out operational
activities serving the community or customers. The term bench has increasingly developed
into a bank. In the simple way, bank is the place where people want to save their money in
order to get the interest and feel safe. Bank also regulated by law from UU RI NO. 10
Tahun 1998 about bank. In the other hand, bank also has function like financial
intermediary which means the bank works to collect public funds and funnel them back to
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the community for various purposes, agent of trust, agent of development, and agent of
service
The role of bank also can give a loan for people in the many sectors. So, that’s why
bank is intermediary for people who really want to borrow money. People who want to save
into the bank will get the interest from the bank itself and for the borrower it will also get
the interest to bank which means that, the borrower will return the money to bank with the
interest. Furthermore, bank also has offers some products in order to attract people to save
their money there.
2.2 What is bank product
Bank Product is about service or facility that extended to the Borrower or

Subsidiary of the Bank. The service is including: credit cards, credit card processing
services, debit cards, purchase cards, ACH transactions, cash management, including
controlled disbursement, accounts or services, or Hedging Agreements. In the addition
Bank product is the things that the bank offers to customer in order to make the customer
saves into the bank. Product is important for the bank because by that the bank can also
survive. CIMB bank also offers some products to attract customer to save into that bank. In
this bank, the product also has several categories like for kids, teenagers, and adults.
In the addition, the product in this bank has two types like conventional and syariah.
The conventional, it offers the savings, credit card, KPR, KPM, KTA, mutual fund,
Bancassurance, Wakaf, and Treasury. Meanwhile, the syariah also has those product like
conventional but the different between those are about the systems like the interest rate or
else.
2.3 Conventional Bank
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Conventional Banks are banks that carry out conventional business activities which
in their activities provide services in payment traffic. Conventional bank also set interest as
a price, both for savings products such as savings, time deposits, and loan products (loans)
that are given based on a certain interest rate. In the other hands, conventional bank also
have the services where the bank uses or applies various fees I a certain nominal or
percentage where this costing system is called fee based.
Furthermore, the interest systems are the determinantion of iineterst rates made at
the time of the conract with the guidelines must always be profitable for the bank, there is
akad system which means that the determination interest rate is made in akad time where
the bank side must get profit.
2.4 Conventional Product
Conventional product in CIMB Bank also offers several product like savings, credit
card, KPR, KPM, KTA, mutual fund, Bancassurance, Wakaf, and Treasury. In this paper,
we will explain one by one about the product. As we know that, the product is so important
for bank because by that, the bank can also get more customer by the product that they
offer.
2.5 Conventional Product Savings
Conventional Product savings have divided into 3 types like child savings and
planning, deposit, and transaction savings.
2.6 CIMB Child Savings and Planning

Child savings and planning is made by this bank for child in order to make them
save their money and also make some planning in the future. In this bank, they don’t only
offer to save their money but also decide their future through the money they save. There
are several products that offers for customer.
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A. Junior CIMB savings
Junior CIMB savings is made for kids in order to invite kids to learn how to save
their money in the bank
 The benefits
1. Point Junior
The more diligent you save, the more points accumulated for you to exchange for free
movie tickets or vouchers via Phone Banking 14041!
2. CIMB Junior adventure
The thrill of adventure in a children's playground and recreation with CIMB Junior.
3. Shop profit and withdraw cash anywhere
You can use your Debit Card to shop at any store that has a Mastercard logo and get
discounts or attractive offers at selected merchants. You can withdraw cash with a
Debit Card in all CIMB Niaga ATM networks, and all ATMs bearing the Mastercard,
ATM Bersama and MEPS networks.
4. Branchless Banking facilities
Now your parents can easily find out which transactions are recorded at CIMB Junior
Savings via Go Mobile and CIMB Clicks.
5. CIMB Niaga ATM network
Your CIMB Junior savings can also be accessed through your parent's debit card
using the CIMB Niaga ATM Network.
 The requirements and how to open a Junior Savings are easy :

1. With your parents, go to the Customer Service officer at the nearest CIMB Niaga
branch.
2. Fill in the account opening form. If it isn't clear, don't hesitate to ask the CIMB Niaga
Customer Service officer.
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3. Bring your original birth certificate and your parent / legal guardian's valid identity
card.
4. Deposit your money a minimum of IDR 100,000, -as the first balance in your Junior
Savings.
5. After your data has been processed, you will receive a Junior Savings & Debit Card.
 Program Requirements
1. Junior Points and Adventure CIMB Junior follows the program terms and conditions
that apply.
2. This program also applies to Sharia products and still refers to the terms and
conditions of Sharia products.
3. CIMB Niaga can change / renew / stop / program at any time.
 Product Features
B. Indie Account
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Indie Account or it also known as ini diri gue is the special saving only for the
teenagers.
 The benefits
1. Can choose your own debit card sticker design
Now debit card is free to change the sticker that can be attached to the debit card with
the design that you like.
2. Transactions throughout the world
Free to express myself wherever and whenever in all the shopping places
3. Free cash withdrawal fee
Free cash withdrawal transaction fees at ATMs of other banks (ATM Bersama
network, ATM Prima, MEPS, and MasterCard) a maximum of 10 transactions /
accounts / month with a minimum balance before withdrawing Rp 1 million.
4. Can online transactions themselves
5. Easy access & transfer of Poin Xtra
 Transaction Access
1. CIMB Clicks
2. Go Mobile
3. Phone Banking 14041
4. Connection of CIMB Niaga
 Terms and Condition

1. Average balance in the previous month <Rp 1 Million is subject to interbank transfer
fees via CIMB Clicks & Go Mobile Realtime IDR 6,500, SKN / LLG IDR 5,000,
and RTGS IDR 25,000.
2. Balance before withdrawal <IDR 1 Million is subject to a cash withdrawal fee of IDR
7,500 (ATM Bersama & Prima network), IDR 12,500 (MEPS network) and IDR
30,000 (MasterCard / Cirrus network).
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3. Average monthly balance <Rp. 1 million is charged below the minimum balance of
Rp. 10,000.
4. Minimum balance settles IDR 50,000.
5. The first benefit of internet data will be obtained at the end of the following month
after opening an account.
6. Internet data benefit will be credited at the end of the following month to the mobile
phone number registered in the CIMB Niaga Go Mobile system.
7. Internet data validity period is 1 month (30 days) from the date it is credited.
8. If you already have an internet data package before, then automatically the internet
data quota from CIMB Niaga will be used first.
9. The initial deposit referred to is the amount of the first deposit made by the customer
at the time of opening the account directly without fragmentation. For customers
who make an initial deposit through the Cash Deposit Machine (CDM), please make
sure the CDM machine is not in trouble.
C. Tabungan Simple
With Simple Savings, you will learn how to save early on in a disciplined and
orderly manner.
 The Benefits
1. Free Administration Fee
Your savings will not be deducted monthly fees.
2. Wide network
You can come to 600 CIMB Niaga branches anywhere to add money to your
savings.
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3. Easy and Convenient
You can also access Go Mobile and CIMB Clicks to see your savings.
4. Pay School Fees
Your savings can be used to pay school fees.
5. Shopping and Cash Withdrawal
You can use your SimPel Debit Card to buy your stationery supplies at stores that
have the MasterCard logo and you can also withdraw cash at CIMB Niaga ATMs
and all ATM Bersama, Prima, MEPS & Cirrus.
1. CIMB Clicks
2. Go Mobile
 Terms and Conditions

1. You can only open SimPel Savings through your school.
2. Fill out the account opening form.
3. You can save right away with a minimum:
4. Just save a minimum of IDR 5,000 for SimPel Savings
5. Just save a minimum of Rp 1,000, - for iB SimPel Savings.
6. After your data has been processed, you will receive a passbook & SimPel Debit
Card.
7. Simple iB Savings is a Sharia product and still refers to the Sharia product terms &
conditions.
 Rates and fees
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D. Tabungan Pendidikan
The cost of education continues to rise every year. Plan your education costs / your
baby from now on
 The Benefits
1. Highest interest rate of 5.00% p.a. * with this Education Savings, your children's
education funds grow the fastest.
2. Education fund guaranteed up to Rp 160 million ** Now no need to worry anymore,
you will get insurance coverage with a maximum target of Rp 160 million.
3. Can be adjusted to your liking Savings due date monthly routine deposits. Initial
deposit.
4. Easy and convenient
5. Education Savings Fund will be debited directly from your source fund account
(Autodebet)
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6. You can get Education Savings Services in all CIMB Niaga branches
7. Account balance & transaction statements will be sent regularly or can be viewed
through CIMB Clicks, Go Mobile and Phone Banking 14041 services

1. Terms of Opening Education Savings
3. Submit a photocopy of a valid KTP.
4. Has a CIMB Niaga or CIMB Niaga Syariah source of funds for monthly deposit
payments.
5. Monthly deposits starting from IDR 100,000.
6. At least 18 years old at the time of account opening.
E. Mapan Proteksi
Save money while protecting your health with free insurance. Free protection until
the age of 88 years with premium class treatment facilities in Indonesia, Malaysia and
Singapore and complete with optimal investment funds.
 The Benefits
1. Free protection for up to 88 years
2. Premium class treatment facilities in Indonesia, Malaysia and Singapore
3. Optimal investment fund
 Terms and conditions

1. Fill out the account read out form, the form and conditions of the application for the
application of the present..
2. Photocopy of a valid ID card.
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3. Have a CIMB Niaga X-Tra I Saving Account iB X-Tra Savings / CIMB Preferred
Aoooult / CIMB Niaga Private Banking Account I Individual Giro I Giro iB
Individual I CIMB Hypermart Savers I On Account Business Combination
[Tabungm iB Usaha! Tabunngu I Tabunngu iB / Tabungan iB Pahala Haji as an
amber fund account.
F. Tabungan Forward Mapan

Forex transactions are more profitable with term savings that help achieve a more
secure future! Mapan Forward Savings is a contract of sale and purchase of foreign
currencies using an agreed exchange rate and determined by the completion of the
transaction at a predetermined time by using a Time Savings Account (Tabungan Mapan /
Education Savings) as collateral.
 The Benefits
1. The USD exchange rate is competitive and fixed at the start.
2. Futures savings with monthly Rupiah deposits and USD disbursement when due
(vice versa).
3. Term savings interest rates up to 3.5% p.a.
 Terms and conditions

1. Minimum age of 18 years.
2. Customers are required to fill out a Savings Account Opening Application.
3. Customers are required to fill out an Account Application Participation Application
that can be used as a source of funds accounts, namely CIMB Niaga Xtra Savings /
IB Xtra Savings / CIMB Prefered Accounts / CIMB Niaga Private Banking
Accounts / Individual Giro / Individual Giro Accounts / CIMB Niaga Hypermart
Savers / ON Accounts / Tabungan Usaha / TabunganKu / TabunganKu IB.
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4. Source of Fund (SOF) accounts must be in 1 CIF with a Time Savings Account.
5. Fund source accounts must be individual accounts - not JOIN / OR accounts.
6. For routine monthly deposits, customers must provide funds in the source account
for at least D-1 from the date of debiting to avoid the failure of debits that cause
delays in paying monthly routine payments.
7. If the customer experiences failed (twice) consecutive debits, the customer then the
contract or Mapan / Tapen will be considered canceled.
G. Tabungan Mapan
Whatever your needs and desires, realize with savings that provide a variety of
convenience and benefits! A well-established savings account as a savings system with a
routine monthly deposit system, ready to help you prepare for the future.
 The Benefits
1. Flexible
Freely determine the period of savings and the amount of routine monthly deposits
2. Life Insurance Protection

Free Life Insurance without a health check and free insurance premiums
3. Attractive interest rates
Get returns with attractive interest rates
4. Practical
Routine monthly payments are made automatically by the system, by directly
debiting the source fund's account, and at maturity can be directly disbursed to the
source fund's account.
5. Easy & Comfortable
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Savings transfer reports are sent every 3 months or can be obtained through Phone
Banking 14041, Go Mobile & CIMB Clicks
 Rates and Fees

1. Fill out the account opening form and the Mapan savings terms and conditions form
2. Photocopy of KTP
3. Have a CIMB Niaga Xtra Savings / iB Xtra Savings / CIMB Preferred Account /
CIMB Niaga Private Banking Account / Individual Giro / Individual iB Giro /
AirAsia Savers CIMB Niaga / CIMB Niaga Hypermart Savers / TabunganKu /
TabunganKu iB as sources of funds
4. Monthly minimum monthly deposit of IDR 100,000 per month (valid for regular
Mapan, does not apply Mapan Prize program)
H. Tabungan Pendidikan USD

Want to go to school / study abroad? With USD Education Savings, funds for your
school are protected from USD fluctuations & enjoy also with interest up to 2.50% pa. Full
of convenience and comfort, free yourself from all obstacles to achieve goals.
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 The Benefits
1. Attractive interest rates up to 2.50% with USD Education Savings, your education
fund or the fruit of your beloved day is growing the fastest.
3. USD Education Savings Fund will be debited directly from your source fund account
(Autodebet)
5. Account balance & transaction statements will be sent regularly or can be viewed
through CIMB Clicks, Go Mobile and Phone Banking 14041 services
6. Flexible, freely determine the period of savings and the amount of routine monthly
deposits.
 Rates and Fees

2. Submit a photocopy of KTP / KITAS / KITAP that is still valid.
3. Has CIMB Niaga or CIMB Niaga Syariah Foreign Currency Savings for monthly
deposit requirements.
4. At least 18 years old at the time of account opening
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2.7 Deposit Product
Deposit products are the interest offered by deposits that are higher than ordinary
savings. In conventional deposit product it offers the time deposit.
A. Deposito Berjangka
A safe and reliable investment choice. Time Deposits are deposits for customers
with attractive interest rates and certain time periods.
 The Benefits
1. Competitive interest rates
2. Available in Rupiah and other foreign currencies (AUD, CAD, CNY, GBP, HKD,
JPY, NZD, SGD, and USD)
3. Automatic principal extension facility (Automatic Roll Over / ARO)
4. Available interest options are automatically added to the principal or credited to the
Customer's preferred account
5. Principal disbursement is directly credited to the Customer's chosen account

1. Opening via eChannel - BizChannel @CIMB is sufficient to follow the placement
instructions via BizChannel @CIMB
2. Opening via Branch is enough to fill in and sign the Time Deposit placement form
and show the valid identity.
2.8 Transaction Savings

Transaction savings are divided as two type that is savings and giro. Both of them
has similar systems but it also have a bit different for example like monthly report where
the savings must print the transaction into the teller to know the transaction process and
giro will get current account from the bank and we don’t need to go to teller to print the
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saving books anymore. In this bank, transaction savings have already offers some products
for customers.
A. Tabungan CIMB Niaga Xtra
Now with XTRA PROTECTION, you can prepare yourself and your family with
comprehensive protection for Life Insurance & Health Insurance for FREE through CIMB
Niaga Savings.
 The Benefits
1. XTRA PROTECTION
Protection can be for family members too: Inpatient benefits per person with a
maximum cash compensation of IDR 100 million Sum Insured due to accident up to
IDR 3 Billion
2. FREE Prodia Medical Check Up (MCU) vouchers for 3 people worth IDR 1.3
million each
3. Competitive interest savings and get cashback of up to Rp 10 Million
4. FREE OF ANY COST
Free administration fees *. Special for those of you who have an average monthly
balance of Rp. 25 Million, saving becomes more profitable without being subject to
monthly administration fees.
5. FREE transfer fees anywhere (Maximum 20 times transactions / accounts / month)
Transfer anywhere easier using CIMB Clicks & Go Mobile. Free of charge is given
to those of you who have an average balance of the previous month of Rp. 25
Million. For monthly average balances <Rp. 25 Million, an inter-bank transfer fee of
Rp. 6,500 (Realtime transfer), Rp. 5,000, - (SKN / Clearing) and Rp. 25,000, -
(RTGS). Specifically for SKN / Clearing and RTGS, the free of charge mechanism is
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through the refund process. Fees will still be debited from the Customer's account at
the time of the transaction and will be credited again the next day.
6. FREE cash withdrawal fees (maximum 10 times transactions / accounts / month)
You can withdraw cash anywhere without fees starting at ATM Bersama / Prima,
MEPS, and Mastercard / Cirrus at home and abroad **. Free of charge is given to
you who have a balance before withdrawal penarikan Rp. 10 million. For balances
before withdrawal <IDR 10 Million, cash fee is charged at IDR 7,500 (ATM
Bersama & Prima network), IDR 16,500 (MEPS network) and IDR 30,000
(MasterCard / Cirrus network).
7. XTRA UNTUNG USE DEBIT CARD
Use your Debit Card for shopping & dining at various CIMB Niaga merchants or the
Mastercard network, making life even more fun because of various attractive
discounts and cashback!
8. Use Poin Xtra, like CASH that makes your life fantastic
Collect Poin Xtra by saving and transacting using CIMB Clicks, Go Mobile every
day. Also get Poin Xtra from purchasing Wealth Management products, Credit Card
transactions and applying for KIM and KPM CIMB Niaga.
 Rates and Fees

1. Initial Deposit = IDR 500 thousand
2. Minimum Balance Settles Rp. 50 thousand
3. Administrative costs (fall below fees) if the average balance below Rp. 25 million is
Rp. 17,500
4. Dormant fee, Rp. 5,000 / month
5. Account Closing Fee, Free, Savings will be closed automatically if the account is
dormant and has a balance of Rp. 0, -.
6. Debit Card Fee, Free
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7. SMS Notification (debit & credit transactions ≥ Rp 1 Million) registration through
CIMB Clicks, Branches, Call Center 14041
8. Rp. 6,000 / month for the first 20 SMSs (the 21st SMS and so on will be charged
IDR 350 / SMS) Especially for accounts opened until Oct 2017 it is automatically
registered

1. Family members that can be registered with Xtra Family Protection are husband /
wife, children and biological parents which can be proven by legal documents
according to the State. Customers' families may not have an account at CIMB Niaga.
2. The age of the registered customer and family is 18 - 60 years, with a membership
period valid for 365 days from the moment the customer registers Xtra Family
Protection.
3. Funds held are MANDATORY fresh funds (CASH SETORS / TRANSFER to other
banks).
4. Fresh funds are received by CIMB Niaga in the same month as the funds hold
month.
5. Customers who have met the requirements will receive a Participation Certificate
6. Insurance Benefits Xtra Protection Feature which contains provisions on health
benefits and insurance benefits sent to the Customer's email address registered with
the Bank, no later than the end of the following month after registration is done as
proof that the Customer has been protected.
7. The Xtra Family Protection and Health benefits scheme is subject to change at any
time and will be notified through the CIMB Niaga branch (if there are changes it will
only apply to new registration).
8. Customers cannot change (upgrade / downgrade) the Xtra Protection scheme during
the 365 day membership period.
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9. All Health Benefits and Xtra Family Protection Insurance will automatically end
with the following conditions:
- The age of the customer / family member reaches 61 years (for customers /
family members who are 60 years of age at the time of registration).
- The customer dies.
- The customer breaks the funds before the expiry date.
- Customers who are still registered with the membership of Xtra Protection or the
old scheme
- The Customer is registered more than once, so if an insured event occurs, only
Insurance Benefits will be paid to the Customer for the maximum amount
allowed for 1 (one) Customer for all accounts based on the provisions.
- The membership period ends.
B. On Account
ON Account is suitable for you who are always ready to turn the spotlight on! Life
is more enjoyable with 3GB FREE internet every month! Free transactions anytime and
anywhere, getting free quota makes you happier! For those of you who always exist and
keep abreast of world developments in cyberspace, the ON Savings Account is right for
you.
 The Benefits
1. Get 3GB internet quota
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2. Get interest at 5%
3. You do not need to worry anymore if the savings balance continues to decrease,
because your ON Account savings do not incur any costs.
1. CIMB Clicks
2. Go Mobile
C. Tabungan Xtra manfaat

Together with a culture of saving with family and buying a house, only pay KPR
interest of Rp. 0, -. It is connected with Xtra Benefits KPR loan balance, where 80% of
your daily savings balance & family can reduce the loan balance or loan term.
• The Benefits
1. Pay KPR interest at Rp. 0, -Savings balance is 125% of loan outstanding
2. More sources of funding KPR Which can be correlated with up to 9 savings accounts
from the nuclear family
3. Fast loans paid off Shorter loan term
4. Free administration fees. Savings become more profitable without being subject to
monthly administration fees
5. Free cash withdrawal fee. For those of you who have a balance before withdrawing ≥
IDR 10 Million (Maximum 10 times transactions / accounts / month)
6. XTRA UNTUNG USE DEBIT CARD
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Use your Debit Card for shopping & dining at various CIMB Niaga merchants or the
discounts and cashback!
Collect Poin Xtra by saving and transacting using CIMB Clicks, Go Mobile every
• Rates and Fees

Rp. 17,500
CIMB Clicks, Branches, Call Center 14041 Rp. 6,000 / month for the first 20 SMSs
(the 21st SMS and so on will be charged IDR 350 / SMS) Especially for accounts
opened until Oct 2017 it is automatically registered
• Terms and Conditions

1. Own debtor (may be more than 1 account)
2. debtor family (may have more than 1 account)
3. relatives / colleagues / colleagues, etc. (may be more than 1 account)
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D. Tabungan Xtra Pandai
Saving is easier, because you can save at the nearest Smart Xtra agent that makes it
easy to open an account, deposit cash and withdraw cash. Through Smart Xtra Savings you
can save without having to come to the bank. Enjoy the convenience of opening an account,
depositing cash and withdrawing cash at the nearest Xtra Pandai CIMB Niaga agent.
• The Benefits
• Free Administration Fee. Savings that will not be deducted from any monthly fees.
• No initial deposit. The initial deposit that you spend directly into your account if it
has been opened by the bank.
• Ease of transaction. CIMB Clicks Internet Banking, Go Mobile Mobile Banking and
ATM / Debit Cards to transact and view the balance in the savings account.
• Easy and convenient. Ease of depositing cash or withdrawing cash at all Xtra Pandai
agents.

1. Open Savings iB Xtra Pandai through Xtra Pandai agents.
2. Have a valid identity card in the form of a KTP / SIM.
3. Don't have CIMB Niaga Savings yet.
4. Initial deposit is made if the Smart Xtra Savings has been opened by the Bank.
• Rates and Fees

Rp. 17,500
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opened until Oct 2017 it is automatically registered
E. Tabungan Xtra Payroll

Company payroll is made easier and has a variety of special benefits for employees!
Savings that are full of many benefits and always make it easy to payroll. Free cash
withdrawal and transfer fees, also get Poin Xtra which makes the day more fantastic.
• The benefits
1. High interest up to 4.50% p.a.
Average monthly balance (Rp)
<IDR 1 Million, Interest (p.a.) * 0.00%
IDR 1 Million - <IDR 25 Million, Interest (p.a.) 0.25%
IDR 25 Million - <IDR 250 Million, Interest (p.a.) 0.50%
IDR 250 Million - <IDR 1 Billion, Interest (p.a.) 1.00%
IDR 1 Billion - <IDR 10 Billion, Interest (p.a.) 3.00%
≥ IDR 10 Billion, Interest 4.50%
* Progressive interest calculation and can change at any time. (effective changes
May 1, 2019)
2. Free cash withdrawal fees at ATMs of other banks
3. Free cash withdrawal fees through the ATM Bersama & Prima network, if the
balance before withdrawal is min. Rp. 1 Million (maximum of 10 transactions /
accounts / month).
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4. Free transfer fees anywhere. The fun is the free interbank transfer via CIMB Clicks
& Go Mobile if the average balance of the previous month is ≥ Rp. 25 Million
(maximum 20 times transactions / accounts / month)/ The minimum balance is only
IDR 10,000.
5. SMS Notification.. Debit / credit transaction information ≥ Rp. 1 Million will be sent
to the registered mobile number. Registration of SMS notification services can be
done through CIMB Clicks, Branches and CIMB Niaga 14041
6. FREE annual fee for CIMB Niaga Credit Cards. Enjoy free annual fee for life for
your CIMB Niaga Credit Card
7. KTA light flowering. Are there any sudden needs and need cash? Quiet! We are here
to help you from renovating homes, education, weddings, holidays and other needs
with light interest according to applicable regulations.
8. Use Poin Xtra, like CASH MONEY that makes your life fantastic. Collect Poin Xtra
by saving and transacting using CIMB Clicks, Go Mobile every day. Also get Poin
Xtra from purchasing Wealth Management products, Credit Card transactions and
applying for KIM and KPM CIMB Niaga.
9. Check out special promotions from Poin Xtra that make your life more beautiful here
10. XTRA UNTUNG USE DEBIT CARD. Use your Debit Card for shopping & dining
at various CIMB Niaga merchants or the Mastercard network, making life even more
fun because of various attractive discounts and cashback!

1. Fill out the account opening form
2. Photocopy of KTP
3. Photocopy of NPWP
 Rates and Fees
1. Initial Deposit = First Salary Payment Fee
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2. Minimum Balance Settles (effective May 1, 2019 for Conventional Xtra Payroll),
cost Rp. 10,000
3. Administration Fee, Rp. 10,000
4. Fee Below the Minimum Minimum (Fall below fee), Free
5. Dormant fee, Rp. 5,000 / month. Account Closing Fee, Free. Savings will be
automatically closed if the account is dormant and has a balance of Rp. 0, -.
opened until Oct 2017 it is automatically registered.
F. CIMB Niaga Hypermart Savers

Life is more exciting by getting various benefits of shopping at Hypermart and
Foodmart. Shopping at Hypermart and Foodmart saves more with cashback and savings
with free monthly administration fees.
 The Benefits
1. Monthly shopping is fun because it saves more on Hypermart and Foodmart with full
cashback days of 15%.
2. Use your Debit Card for shopping & dining at various CIMB Niaga merchants or the
discounts and cashback
3. All administrative fees are free with ATM Bersama, Prima, CIMB Bank ATMs
(Malaysia, Singapore, Thailand and Cambodia) and MEPS (Malaysian Electronic
Payment System) and MasterCard / Cirrus Networks
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4. Collect Poin Xtra by saving and transacting using CIMB Clicks, Go Mobile every
1. Complete the Account Opening Form.
2. Complete the CIMB Niaga Hypermart Savers Terms & Conditions Form & other
required documents
3. CIMB Clicks registration
5. Initial deposit IDR 100,000.
G. Tabunganku
Start saving with a variety of flexibility and many advantages CIMB Niaga
TabunganKu is a solution for Indonesian people who want to be diligent in saving. With
easy and lightweight requirements, who can refuse?
 The Benefits
1. Free monthly administration fees
2. Free debit card fees
3. Free of charge below the minimum balance
4. ATM card facility as an ATM card and passbook

1. Provisions for auto-closing of TabunganKu & TabunganKu iB accounts
2. Effective May 7, 2019, accounts will be closed automatically / auto closed if the
account is dormant bestatus (no transactions for 6 months) and the balance is less
than IDR 20,000
 Rates and Fees
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2.9 Credit card
A credit card is a payment instrument in lieu of cash in the form of cards issued by
banks to make it easier for customers to transact. In this bank, they provide some products
to customers. In the credit card, there are also 4 categories from premium, special, business,
and regular.
2.9.1 Credit Card Premium

A. CIMB Niaga World Le Club AccorHotels Credit Card
 The Benefits
1. Stay & Dine for Free
Free Accor Plus membership for every CIMB Niaga World Le Club AccorHotels
Primary Credit Card holder who is actively conducting transactions. Membership
will be renewed automatically every year.
2. Get Le Club AccorHotels competitive Rewards Points and redeem for free stays
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3. Use your card wherever you are in the world and enjoy exchange rates for
competitive foreign currency transactions.
4. Get insurance protection in the form of Purchase Protection, Travel Accident
Insurance and Travel Inconvenience Insurance if you transact using the CIMB
Niaga World Le Club AccorHotels Credit Card. Approval of the claim and the
amount of compensation fully agreed is the authority of the insurance.

1. Contact CIMB Niaga 1500800
2. The age of the main card holder is 21 - 65 years
3. Photocopy of KTP / Passport (only foreigners)
4. Photocopy of Salary Slip / Original Certificate of Income / Photocopy of SPT
PPH 21
5. Photocopy of Current / Savings Account
6. Photocopy of Company Deed and / or SIUP / Practice License
B. Infinite Credit Card (Kartu Kredit Infinite)

 The Benefits
1. Spending Reward Program
With a minimum transaction of IDR 40 million (domestic) or IDR 15 million
(international) within 1 billing period then redeem Poin Xtra collected during that
period, you are entitled to get 1 Jakarta-Singapore (PP) ticket with Singapore
Airlines up to four times a year or free annual fee for the Main Card. Contact
CIMB Niaga 1500 800 to exchange your Poin Xtra.
2. Regional Dining Privileges
Enjoy up to 50% discounts at some of the leading restaurants participating in
Indonesia, Singapore and Malaysia.
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3. Airport Lounge
For CIMB Niaga Infinite Credit Card holders, you can enjoy the Airport Lounge
facility for 1 person (valid for Cardholders only) by paying only Rp 1 (one
rupiah).
4. Insurance Coverage
Every time you shop with CIMB Niaga Visa Infinite, you will automatically get
insurance protection in the form of Purchase Protection and Travel Insurance
(travel accident insurance and travel inconvenience insurance). Terms and
Conditions apply.

PPH 21
C. Ultimade Credit Card (Kartu Kredit Ultimate)

 The Benefits
1. Overseas Spending Reward
Get 4% cashback from retail transactions that you do in Japan, South Korea,
China and Taiwan, with a maximum cashback of Rp 2,000,000 (two million
rupiah) per month by contacting CIMB Niaga 1500 800 to claim your transaction
and then Poin Xtra resulting from the transaction will be written off. Terms &
Conditions apply
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2. 9x Poin Xtra
For every retail spend of Rp 5,000 (five thousand rupiah), you get 9 (three) Poin
Xtra. Exchange your Poin Xtra for Frequent Flyers such as KrisFlyer, Garuda
Miles, Asia Miles, BIG Points or various shopping vouchers. Visit https://cards-
loan.cimbniaga.co.id/PoinXtra or CIMB Niaga 1500 800 for the Poin Xtra
exchange program
3. Concierge Service Assistance
Special services for CIMB Niaga Visa Infinite credit card holders that can
facilitate you on your vacation or business trips such as car loan bookings, dining
referral & reservation assistance, flight ticket information, events, and so on.
Take advantage of this service 24/7 by contacting CIMB Niaga 1500 800
(travel accident insurance and travel inconvenience insurance).

PPH 21
D. World Credit Card (Kartu Kredit World)

 The Benefits
1. Competitive Exchange Rate
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Take advantage of your World Credit Card when transacting abroad because it
has a competitive foreign exchange rate
2. Regional Stay and Dine Privileges
Enjoy discounts of up to 50% at some of the leading restaurants and hotels
participating in Indonesia, Singapore and Malaysia
3. Airport Lounge
For CIMB Niaga Infinite Credit Card holders, you can enjoy the Airport Lounge
facility for 1 person (valid for Cardholders only) by paying only Rp 1 (one
rupiah).
(travel accident insurance and travel inconvenience insurance). Terms and
Conditions apply

PPH 21
2.9.2 Credit Card Business
Get various benefits from CIMB Niaga Corporate MasterCard:

 High Credit Limit
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The company's employees will have a payment instrument with a credit limit that
is much higher than a personal credit card.
 Integrated Financial Manager
Helping the Company's cash management be more effective, because expenditure
control is directed by CIMB Niaga so that your company is more focused in
managing various strategic interests.
 Efficient Reporting System
Equipped with an electronic reporting system to help companies control and
monitor expenses efficiently.
 Airport Lounge
Enjoy airport facilities for Corporate MasterCard Credit Card holders.
 Insurance Coverage
Every purchase uses CIMB Niaga Corporate MasterCard, you will automatically
get insurance protection in the form of Purchase Protection and Travel Insurance
(travel accident insurance and travel inconvenience insurance).
General Requirement Ages

Primary card holder age 21-65 years old
Additional card holder age 17-70 years old
2.9.3 Credit card Regular
 Classic Credit Card

As a CIMB Niaga Classic Credit Card holder, getting facilities:
 Free Annual Fee
1) Cards with MasterCard logo got the free annual for whole life.
2) Cards with VISA logo got free annual fees for the first 2 years
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 Fixed Installment Facility (Fasilitas cicilan tetap)
Make your retail spending with CIMB Niaga Classic fixed with a mild interest
rate and time period is 3, 6 and 12 months. Please change your purchase
transaction through the Internet Banking Credit Card at www.cimbclicks.co.id or
Phone Banking at 14041 before the bill print date.
 Poin Xtra
Get 1 Poin Xtra for every IDR 5,000 spent
General Requirements Ages

Primary card holder age 21 - 65 years old
Additional card holder age 17 - 70 years old
Additional
Documents
Employee Entrepreneur Professional Ekspatriate
requirements
Card
Photocopy of KTP
/ Passport (only
V V V V V
foreigners)
Photocopy of
Salary Slip /
Original Statement
of Income / V V
Photocopy of Tax
Return PPH 21
37
Photocopy of
Current / Savings
Account V V
(3 months ago)
Photocopy of
Company Deed and
/ or SIUP / Practice V V
License
Personal /
Company
V
Guarantee
Photocopy of
KITAS / KITAP V
Photocopy of
NPWP (limit> Rp
V V V V
50 mio)
As a CIMB Niaga Gold Credit Card holder, get facilities:

 Free Annual Fee
1. Cards with MasterCard logo got the free annual for whole life.
2. Cards with VISA logo got free annual fees for the first 2 years
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3. Specifically for the CIMB Niaga ACA Community Additional Gold Credit
Card, free annual fees by making 2 (two) times / year transactions.
 Fixed Installment Facility

Turn your retail spending with CIMB Niaga Gold into a fixed installment with a
low interest rate with an installment period of 3, 6 and 12 months. Please change
your purchase transaction via the Internet Banking Credit Card at
www.cimbclicks.co.id or Phone Banking at 14041 before the bill printing date.
 Poin Xtra
Get 1 Poin Xtra for every Rp 5,000 spent

Primary card holder age 21-65 year old
Additional card holder age 17-70 year old
Entrepreneu Additional
Document Requirement Employee Profesional Ekspatriat
r card
Photocopy of KTP /
Passport (only foreigners) V V V V V
Photocopy of Salary Slip /

Original Statement of
Income V V
/ Photocopy of Tax
Return PPH 21
Photocopy of Current / V V
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Savings Account
(3 months ago)
Photocopy of Company
Deed and / or SIUP / V V
Practice License
Personal/ Company
V
Guarantee
Photocopy of KITAS /
V
KITAP
Photocopy of NPWP
(limit> Rp 50 mio) V V V V
As a Platinum Credit Card holder, get facilities:

 MasterCard Concierge Service ®
Provides other services including pre-departure information, travel service/
personal services, lifestyle services, transportation services and home
services. You can call + 62-21-7279-2935 to access the service. Valid for
CIMB Niaga MasterCard Platinum Credit Cards.
 MasterCard Global Services ®

A facility that provides 24-hour Emergency Assistance with a range of services
such as reporting of lost / stolen cards, card replacements and emergency cash
withdrawals by calling the toll free MasterCard Service Representative Global
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telephone number 001-803-0623. Valid for CIMB Niaga MasterCard Platinum
Credit Cards.
 Visa Platinum Privileges Access

As a CIMB Niaga Visa Platinum Credit Card holder, you can access Visa
Platinum Privileges through Toll Free Number 001-803-44-1600 which will
provide a fast response 24 hours and 365 days, in Indonesian.
 Airport Lounge
Use your 10,000 Poin Xtra to access Airport Lounge facilities that are spread in
major cities in Indonesia.
 Free Annual Fee
• Free annual fee for life for a CIMB Niaga Mastercard Platinum Credit Card.
• For the CIMB Niaga Visa Platinum Credit Card:
 Free annual fee for the first year for the main card, for the following year
IDR 350,000 or free annual fee with a minimum retail transaction of IDR
24,000,000 in a year.
 Annual fee for additional cards is Rp150,000.
Specifically for the CIMB Niaga Community Extra Credit Card (ACA,
Juke, AUSCI and Indosat Ooredo Card, click here) free of Annual Fees by
making transactions at least 2 (two) times / year.
 Fixed Installment Facility
Turn your retail spending with CIMB Niaga Platinum into a fixed installment
with a low interest rate with an installment period of 3, 6 and 12 months. Special
facilities for the CIMB Niaga Visa Platinum Credit Card, a minimum retail
spend of Rp 500,000 can be changed to 0% installments for 3 months. Please
change your purchase transaction via the Internet Banking Credit Card at
www.cimbclicks.co.id or CIMB Niaga 14041 before the bill printing date.
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 Poin Xtra
Get 1 Poin Xtra for every retail purchase of IDR 5,000, click here to view the
product catalog. Special facilities for the CIMB Niaga Visa Platinum Credit Card:
• Double Poin Xtra for retail transactions on the flight website: Every retail
transaction of IDR 5,000 on the flight website will get 2 Poin Xtra or 1 Poin
Xtra for other retail transactions.
• Competitive Mileage Conversion: You can exchange Poin Xtra on the
CIMB Niaga Visa Platinum Credit Card into mileage from leading airlines with a
conversion value of 3 Poin Xtra = 1 KrisFlyer or 1 Garuda Miles or 1 Asia Miles or
3 AirAsia BIG Points.
 Insurance Coverage
For every purchase using the CIMB Niaga Platinum Card, you will
automatically get insurance protection in the form of Purchase Protection,
Travel Accident Insurance and Travel Inconvenience Insurance. Approval of
the claim and the amount of compensation fully agreed is the authority of the
insurance.

Primary card holder age 21 - 65 years old
Additional card holder age 17 - 70 years old
Additional
Persyaratan Dokumen Employee Entrepreneur Profesional Ekspatriat
card
Photocopy of KTP /
Passport (only V V V V V
foreigners)
42
Photocopy of Salary
Slip / Original
Statement of Income /
V V
Photocopy of Tax
Return PPH 21
Photocopy of Current /
Savings Account
V V
(3 months ago)
Photocopy of Company
Deed and / or SIUP / V V
Practice License
Personal/ Company
V
Guarantee
Photocopy of KITAS /
V
KITAP
Photocopy of NPWP
(limit> Rp 50 mio) V V V V
2.10 Deposit products for Business users

1. Time deposit
43
A safe and reliable investment choice. Time Deposits are deposits for
customers with attractive interest rates and certain time periods.
 Benefits of Time Deposits
1. Competitive interest rates
2. Can be guaranteed for a loan
3. Available in Rupiah and other foreign currencies (AUD, CAD, CNY, GBP,
HKD, JPY, NZD, SGD, and USD)
4. Available in a variety of placement periods (Flexi / On Call, 1, 3, 6, 12
months and 1Y +) * Automatic principal extension facility (Automatic Roll
Over / ARO)
5. Available interest options are automatically added to the principal or
credited to the Customer's preferred account
6. Principal disbursement is directly credited to the Customer's chosen
account * Flexi / On Call available for IDR and USD, 1Y + only available
for IDR.
 Terms for opening a Time Deposit

1. Opening via eChannel - BizChannel@CIMB is sufficient to follow the
placement instructions via BizChannel@CIMB
2. Opening via Branch is enough to fill in and sign the Time Deposit
placement form and show the valid identity.
 Provisions
Interest rates follow the rates that are applied in BizChannel@CIMB or in

Branches. Minimum placement as follows:
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Currency Currency Minimum
placement (according to
currency)
IDR 8,000,000
AUD 10,000
CAD 10,000
CNY 50,000
GBP 25,000
HKD 100,000
JPY 1,000,000
NZD 25,000
SGD 10,000
USD 1,000
 Risk
This product is subject to the applicable laws and regulations in Indonesia,
including Taxation regulations, Bank Indonesia Regulations, Financial Services
Authority Regulations, and other provisions including internal provisions of the
Bank.
 Cost
There are no bank fees
1. Time Deposit (iB) / Sharia deposits A safe and reliable investment choice.
Time Deposits (iB) are deposits for customers with attractive Mudharabah
and Profit Sharing (Nisbah) contracts and selected time periods.
45
 Benefits of Time Deposits (iB)
1. Profit Sharing (Ratio)
2. Can be guaranteed for a loan
3. Available in Rupiah and US dollars in foreign currencies
4. Available in a variety of placement periods (Flexi / On Call, 1, 3, 6, 12
months and 1Y +) *Automatic principal extension facility (Automatic Roll
Over / ARO)
5. Available Share Sharing options (Nisbah) automatically entered into the
principal or credited to the customer's choice account
6. Principal disbursement is directly credited to the Customer's chosen account
* 1Y + only available for IDR.
2.11 Syariah Products

Syariah is a banking system whose implementation is based on Islamic (sharia) law.
The establishment of this system is based on the prohibition in Islam to lend or collect
loans by charging interest (riba), and the prohibition to invest in businesses that are
(haram). The conventional banking system cannot guarantee the absence of these things in
its investments, for example in businesses related to the production of illicit food or drinks,
un-Islamic media or entertainment businesses, and others.
Furthermore this bank also have already provide some products for customer like
regular savings, child savings and planning and deposit.
46
2.11.1 Regular savings
Regular savings are savings that can be used as deposits or daily transactions, while
term savings is savings with regular funds.. In this bank the regular savings have provide
some products also which are:
A. IB Haj Savings (shariah product)
This is a term savings product to realize the Hajj plan with a routine monthly
deposit system with mudharabah and muthlaqah contracts. This is kind of
CIMB Niaga Shariah Product. Mudharabah and muthlaqah contracts are
systems in which the customer acts as the owner of the funds and the bank acts
as the fund manager. The bank provides profit sharing to customers in
accordance with the agreed percentage.
 The Benefits of Savings iB Haj
1. Flexible
Free to determine the period of savings and the amount of monthly regular
deposits according to the year of Hajj Pilgrimage obtained by the Customer.
2. Choice of USD currencies
To meet the needs of Hajj Travel Costs (BPIH) to Baitullah, you can also
choose your savings account in USD (US Dollar) so that you don't have to
worry about fluctuating exchange rates.
3. Life Insurance Protection
Free Life Insurance without a health check and free insurance premiums.
The Insurance protection for iB Savings Plan for Hajj is PT Sun Life
Financial Indonesia's insurance.
4. Benefits of inpatient compensation
Value of inpatient compensation up to IDR 1,200,000 per day
 Terms and Conditions for Opening an Account:
47
1. Fill out the account opening form
2. Submit a photocopy of a valid Identity Card (KTP)
3. Minimum age of 18 years and a maximum of 60 years at maturity
4. Paying a minimum monthly routine deposit of IDR 100,000 per month
B. Tabungan iB Mapan Wakaf
 The Benefits
Savings Program with the principle of Mudharabah (Profit Sharing) in
accordance with the time period, there is an initial deposit, saving a certain
value regularly every month and get a direct prize in advance from the Bank
CIMB Niaga Syariah in the form of a Waqf through Money program and
will be forwarded to the Demand Deposit Account of the Waqf Institution -
Bank CIMB Niaga Syariah partners to be managed on behalf of customers
through the Program.

1. The customer completes the form for opening a Tabungan iB Mapan
account.
2. Customers fill in the form of the Tabungan iB Mapan Prize prize
program.
3. Customers must have a transactional savings account that can be used as a
source of monthly debiting funds (except CIMB Junior savings, Indie
Accounts, Student Deposits and Investor Account savings).
4. Prizes received by customers from CIMB Niaga Syariah will be
distributed directly to the Wakaf Institution's account to be managed
according to the customer's choice program.
48
5. Customers with a waqf value of Rp.1,000,000 and above will receive a
waqf certificate from CIMB Niaga Syariah Bank.
C. Tabungan IB Mapan Pendidikan

Plan your education, plan your bright future. Full of convenience and comfort,
free yourself from all obstacles to achieve goals.
 The Benefits
1. The profit sharing portion is up to 53.89% or equivalent to 2.50% p.a
3. USD Education Savings Fund will be debited directly from your source fund
account (Autodebet)
5. Account balance & statement will be sent regularly or can be seen through
CIMB Clicks, Go Mobile, and Phone Banking 14041 services
6. Freely determine the period of savings and the amount of routine monthly
deposits.

3. Have a CIMB Niaga or CIMB Niaga Syariah Foreign Currency Savings
Account for monthly deposits.
4. Minimum age of 18 years at the time of opening an account.
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D. IB Indie Account
With special savings for young people, I can determine my own way. It's time
to have his savings.
 The Benefits
1. Can choose your own debit card sticker design
2. Transactions throughout the world
3. Free cash withdrawal transaction fees at ATMs of other banks (ATM
Bersama network, ATM Prima, MEPS, Mastercard) a maximum of 10
transactions / accounts / month with a minimum balance before withdrawing
Rp 1 million.
4. Free 2GB of data every month from XL, Telkomsel & Indosat Ooredoo
5. Pay with Poin Xtra can get free tickets to watch at CGV, Cinema XXI &
Cinemaxx
1. Average balance in the previous month <Rp. 1 Million is subject to
interbank transfer fees via CIMB Clicks & Go Mobile Realtime Rp. 6.500, -
SKN / LLG Rp. 5,000,
2. Average monthly balance <IDR 1 million is charged below the minimum
balance of IDR 10,000.
3. The minimum balance settles IDR 50,000.
4. Internet data benefit will be credited at the end of the following month to the
mobile phone number registered in the CIMB Niaga Go Mobile system.
E. Tabungan IB Hypermart Savers

Thrifty shopping every day gets 15% cashback at Hypermart and Foodmart! Life is
more exciting by getting various benefits of shopping at Hypermart and Foodmart.
50
Shopping at Hypermart and Foodmart saves more with cashback and savings with
free monthly administration fees.
 The Benefits
1. 15% cashback every day Monthly shopping is fun because it saves more on
Hypermart and Foodmart with full cashback days of 15%.
2. XTRA UNTUNG USE DEBIT CARD. Use your Debit Card for shopping &
dining at various CIMB Niaga merchants or the Mastercard network, making
life even more fun because of various attractive discounts and cashback!
3. Free of charge. Happiness is everywhere! All administrative fees are free
with ATM Bersama, Prima, CIMB Bank ATMs (Malaysia, Singapore,
Thailand and Cambodia) and MEPS (Malaysian Electronic Payment System)
and MasterCard / Cirrus Networks *. Effective July 1, 2018, FREE cash
withdrawal transaction fees at ATMs of other banks (ATM Bersama
network, ATM Prima, MEPS, Mastercard) a maximum of 10 transactions /
accounts / month.
5. Collect Poin Xtra by saving and transacting using CIMB Clicks, Go Mobile
every day. Also get Poin Xtra from purchasing Wealth Management
products, Credit Card transactions and applying for KIM and KPM CIMB
Niaga.
2.12 Child savings and planning
Child savings and planning is made by this bank for child in order to make them
save their money and also make some planning in the future. In this bank, they don’t only
51
offer to save their money but also decide their future through the money they save. There
are several products that offers for customer.
A. Tabunggan IB CIMB Junior

Encourage your child to save early for a more secure future! The most fun and
exciting savings with Junior points and CIMB Junior adventures!
 The benefits
1. Point Junior
The more diligent you save, the more points accumulated for you to
exchange for free movie tickets or vouchers via Phone Banking 14041!
2. CIMB Junior adventure
The thrill of adventure in a children's playground and recreation with CIMB
Junior.
3. Shop profit and withdraw cash anywhere
You can use your Debit Card to shop at any store that has a Mastercard logo
and get discounts or attractive offers at selected merchants. You can
withdraw cash with a Debit Card in all CIMB Niaga ATM networks, and all
ATMs bearing the Mastercard, ATM Bersama and MEPS networks.
4. Branchless Banking facilities
Now your parents can easily find out which transactions are recorded at
CIMB Junior Savings via Go Mobile and CIMB Clicks.
5. CIMB Niaga ATM network
Your CIMB Junior savings can also be accessed through your parent's debit
card using the CIMB Niaga ATM Network.
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 The requirements and how to open a Junior Savings are easy :
1. With your parents, go to the Customer Service officer at the nearest CIMB
Niaga branch.
2. Fill in the account opening form. If it isn't clear, don't hesitate to ask the
CIMB Niaga Customer Service officer.
3. Bring your original birth certificate and your parent / legal guardian's valid
identity card.
4. Deposit your money a minimum of IDR 100,000, -as the first balance in
your Junior Savings.
5. After your data has been processed, you will receive a Junior Savings &
Debit Card.
B. Tabungan IB Rencana Haji

Blessing in accordance with the principle of Mudharabah Muthlaqah, flexibility
in term, competitive profit sharing ratio Tabungan HB Haj Plan with the
Mudharabah Muthlaqah contract is a term savings for realizing the pilgrimage
plan with a routine monthly deposit system.
 The Benefits
1. Flexible. Free to determine the period of savings and the amount of monthly
regular deposits according to the year of Hajj Pilgrimage obtained by the
Customer
2. Choice of USD currencies. To meet the needs of Hajj Travel Costs (BPIH)
to Baitullah, you can also choose your savings account in USD (US Dollar)
so that you don't have to worry about fluctuating exchange rates.
3. Interesting Profit Sharing. Profitable with attractive profit sharing
53
4. Life Insurance Protection. Free Life Insurance without a health check and
free insurance premiums
5. Benefits of inpatient compensation. Value of inpatient compensation up to
Rp 1.2 million per day
6. Practical. Routine monthly payments and disbursement of funds when due
can be done automatically from and to the source account
7. Easy and convenient.. Savings transfer reports are sent every 3 months or
can be obtained through Phone banking 14041, Go Mobile and CIMB Clicks
 Rates and fees

1. Features and fees Rates and nominal
2. Minimum monthly deposit of IDR 100 thousand
3. Ratio (profit share) 48.2% (equivalent to 4% p.a.)
4. Monthly Administration Fee Free of charge
5. Administration fee Failed to debit Rp 2,500 per month after 2x failed debit
6. Account closing fee before maturity is IDR 50 thousand
2.13 Deposit
Deposit products are the interest offered by deposits that are higher than ordinary
savings. In syariah deposit product it offer several kinds of deposit.
A. Deposito iB Berjangka
Foreign exchange investment options for those of you who prioritize the
principles of Islamic banking.
 The Benefits
1. Competitive profit sharing
2. Flexible time options: 1 month, 3 months, 6 months and 12 months
54
3. Flexible in terms of Revenue Sharing and Automatic Roll Over system
(automatic extension).
4. Also available in USD currency options

1. Complete the Account Opening Form.
2. Initial deposit of IDR 8,000,000
B. Deposito Valas
Foreign exchange investment options for those of you who prioritize the
principles of Islamic banking
1. Competitive profit sharing
2. Flexible time period
3. A variety of foreign exchange options
 The Benefits
1. IB Deposits are term deposits based on the principle of Mudharabah
Muthlaqah according to the agreed ratio
2. Competitive profit sharing. Flexible time options: 1 month, 3 months, 6
months and 12 months, can be used as collateral or bank referrals
3. Flexible in terms of Revenue Sharing and Automatic Roll Over system
(automatic extension).
4. Available in various currencies: USD
55
2.14 Syariah Business
Shariah business is anything related to buying and selling based on sharia law or
the Islamic system. Sharia business itself comes from two words namely business and
sharia. Business is everything related to buying and selling or trading. While shariah means
the source of a straight path.
A. Time Deposit IB
 Provisions
Using the Mudharabah Mutlaqah contract. The Profit Sharing Rate
(Nisbah) follows the rate that is applied at the Branch. Minimum
placement as follows:
Currency Currency Minimum

placement (according to
currency)
IDR 8,000,000
USD 1,000
 Risk
This product is subject to the applicable laws and regulations in
Indonesia, including Taxation regulations, Bank Indonesia Regulations,
Financial Services Authority Regulations, Indonesian Ulema Council, and
other provisions, including internal provisions of the Bank.
 Cost
There are no bank fees
56
B. Deposit on Call iB
The right way to maximize your fund management
 Duration of less than 1 month
 Flexibility to manage time
 Why This Product
Is a product placement of funds with a period of less than 1 month.
 The advantage
Flexibility to set the desired time period
1. Checking account
Ease of managing your business financial transactions
 The advantage you can get CIMB Niaga Giro will help your
business with facilities and services that make your financial transactions
easier:
 Available in rupiah and foreign currencies Currently available 12
currency options IDR, USD, EUR, JPY, SGD, AUD, CHF, HKD, GBP,
NZD, CNY, MYR
 Transactions anywhere, anytime Financial transactions can be done
through internet banking and mobile banking tailored to your needs and
preferences.
Individual Customers Non Individual Customers

 BizChannel@CIMB for  BizChannel @ CIMB
business for Corporations
 CIMB Clicks  BizChannel @ CIMB
57
 Go Mobile for Business
C. Bilyet Giro and Check
You can use Bilyet Giro or Check for payment transactions
 E-Statement
Options for sending checking account statements via email. Statements
of checking accounts will be received safely and on time
 SMS Notification
Transaction information will be sent via SMS to the registered mobile
number. Information can be arranged according to customer preferences,
including: Transaction value to be informed
 Type of transaction: only debit, only credit transaction, or debit and credit
transaction
 Sweeping Online
You can register another CIMB Niaga account as an automatic fund
provider if there aren't enough funds in the checking account.
 Sweeping Batch
Automatic fund management between your accounts at CIMB Niaga.
 Other Cash Management services
Every business can have different needs, you can discuss your solution
with us.
Requirements to Open a Giro account:
 Fill out and sign the Giro account opening form

 Not included in the National Blacklist
58
 Complete the document:

 ID Card  Management ID Card
 NPWP  NPWP
 Business license from
the authorized agency
 TDP
 Deed of incorporation
 Articles of
Association
 Other additional
documents according
to the type of
customer institution
D. Giro Account (iB)

Ease of managing your business financial transactions. Ease of managing your
business financial transactions
 The advantage
CIMB Niaga Giro will help your business with facilities and services that
make your financial transactions easier: Available in rupiah and foreign
currencies. Currently available 13 options for IDR, USD, EUR, JPY, SGD,
AUD, CHF, HKD, GBP, NZD, CNY, SAR, MYR
59
 Transactions anywhere, anytime
Financial transactions can be done through internet banking and mobile
banking tailored to your needs and preferences.

E. BizChannel@CIMB for H. BizChannel @
business CIMB for
F. CIMB Clicks Corporations
G. Go Mobile I. BizChannel @
CIMB for Business
E. Bilyet Giro and Check

You can use Bilyet Giro or Check for payment transactions from the Rupiah
Giro Account
 e-Statement
Options for sending checking account statements via email. Statements of
checking accounts will be received safely and on time
 SMS Notification
Transaction information will be sent via SMS to the registered mobile
number. Information can be arranged according to customer preferences
 Sweeping Online
You can register another CIMB Niaga account as an automatic fund
provider if there aren't enough funds in the checking account.
 Sweeping Batch
Automatic fund management between your accounts at CIMB Niaga.
 Other Cash Management services
60
Every business can have different needs, you can discuss your solution
with us.
Open a Current Account
 Fill out and sign the Giro account opening form
 Not included in the National Blacklist
 Complete the document:

 ID Card / Driver’s  ID Card / Driver's
License License
 NPWP  NPWP
 Business license from
the authorized agency
 TDP
 Deed of incorporation
 Articles of
Association
 Other additional
documents according
to the type of
customer institution
61
CHAPTER 3
CONCLUSION
3.1 Conclusion
The conclusion is the bank has provide some product from kids savings deposit, and
else. In the other hand CIMB also has provide the different savings like conventional
savings and sharia savings. Both of them have different system one of systems is interest.
Where the conventional have already provided interest but in sharia there are two kinds of
savings like wadiah and mudarabha..
Mudarabha is the kind of savings that the customer who saves their money by this
system will get interest according to deal with the bank and also they will get point system
when they do transaction. Meanwhile wadiah don’t have point system and interest system.
There are so many product that have already provided by this bank. And also this bank has
already not used savings book in order to save tree. In the other hand, this bank has
developed their system to make the system easy to access for example like E-banking.
3.2 Suggest
In our opinion, this bank has not already explain about the system between
conventional and sharia. We think that it is good that they can give more information about
those to make sure the customer about the product that they want to choose. And then from
the website we get difficulties because the conventional and sharia product have been unite
in one web. It is better that the development can separate those to make customer easier to
find the product that they want.
62
APPENDIX
63
BIBLIOGRAPHY
https://www.cimbniaga.com/in/about-us/about-cimb-niaga.html
https://goukm.id/bisnis-syariah-dari-a-z/
https://komunitas.sikatabis.com/perbedaan-tabungan-dan-deposito/
64

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MANAGEMENT OF COOPERATIVES AND

DELLA NOOR QOMARA (B1024181004)

MANAGEMENT INTERNATIONAL CLASS

Pontianak, September 2019

In globalization era, home industry is increasing, especially

1) To increase local product

2) To share business experience

3) To improve market opportunities and prospect

2.1 The Definition of Bank

2.2 What is bank product

Bank Product is about service or facility that extended to the Borrower or

2.3 Conventional Bank

2.4 Conventional Product

2.5 Conventional Product Savings

2.6 CIMB Child Savings and Planning

 The requirements and how to open a Junior Savings are easy :

 Terms and Condition

 Terms and Conditions

 Rates and fees

 Terms and Conditions

 Terms and conditions

F. Tabungan Forward Mapan

 Terms and conditions

2. Life Insurance Protection

 Rates and Fees

 Terms and Conditions

H. Tabungan Pendidikan USD

 Terms and Conditions

 Terms and Conditions

2.8 Transaction Savings

A. Tabungan CIMB Niaga Xtra

 Rates and Fees

 Terms and Conditions

C. Tabungan Xtra manfaat

• Rates and Fees

• Terms and Conditions

• Terms and Conditions

• Rates and Fees

E. Tabungan Xtra Payroll

• Terms and Conditions

F. CIMB Niaga Hypermart Savers

 Terms and Conditions

2.9.1 Credit Card Premium

 Terms and Conditions

B. Infinite Credit Card (Kartu Kredit Infinite)

 Terms and Condition

C. Ultimade Credit Card (Kartu Kredit Ultimate)

 Terms and Conditions

D. World Credit Card (Kartu Kredit World)

 Terms and Conditions

2.9.2 Credit Card Business

Get various benefits from CIMB Niaga Corporate MasterCard:

General Requirement Ages

2.9.3 Credit card Regular

 Classic Credit Card

General Requirements Ages

As a CIMB Niaga Gold Credit Card holder, get facilities:

 Fixed Installment Facility

General Requirements Ages

Photocopy of Salary Slip /

As a Platinum Credit Card holder, get facilities:

 MasterCard Global Services ®

 Visa Platinum Privileges Access

General Requirements Ages