# LLMS-full.txt
# Site: DepositoBPR by Komunal
# URL: https://depositobpr.id/
# Generated: 2026-08-03
# Purpose: Machine-readable overview of site content for LLM consumption

## SITE IDENTITY
Name: DepositoBPR by Komunal
Operator: PT. Komunal Sejahtera Indonesia
Tagline theme: "Lebih Untung, Aman, & Praktis" (More profitable, safer, more practical)
Regulatory status: Registered with and supervised by Indonesia's OJK (Financial Services Authority), registration No. S-576/IK.01/2024. Deposits placed through the platform are covered by LPS (Indonesia Deposit Insurance Corporation).

## WHAT THE SITE / APP DOES
DepositoBPR by Komunal is described as a financial-services aggregator app and marketplace that connects individual and corporate depositors with time-deposit (deposito berjangka) products offered by roughly 450+ partner rural/regional banks (BPR/BPRS) across Indonesia. Users can compare and choose deposit products by interest rate, minimum deposit amount, tenor, or bank location, all from a single mobile app. The site positions the service as bridging urban savers' funds with local business financing needs in regional economies, framing this as contributing to regional economic growth and financial inclusion. The company states it has facilitated a large cumulative volume of deposits since founding, with a separate running total for the current year, both labeled as figures current through August 2026.

## KEY VALUE PROPOSITIONS (Homepage)
1. Higher returns: interest rates advertised up to roughly 6–6.25% p.a., described as higher than typical commercial bank rates.
2. Safety: deposits are covered by the LPS deposit insurance scheme.
3. Convenience: access to hundreds of vetted BPR/BPRS institutions through one application.
Additional homepage highlights: a loyalty/points-and-rewards program tied to deposit activity; a promotional video segment questioning financial freedom ("In this economy..."); app download links for Google Play and the Apple App Store; a stats block citing 450+ registered BPRs, 100K+ app downloads, and a 4.5 average app rating (from roughly 1,000 reviews); a 3-step onboarding guide (create account → verify/activate via email and Privy e-signature → browse and select a matching deposit product); a deposit-return calculator teaser; a promo/cashback teaser; a scrolling set of customer testimonials praising ease of use, safety, interest rates, and promos; a media-coverage mention; and an FAQ preview with three sample questions (who can become a depositor, whether depositor funds are safe, and whether personal data is protected).

## PAGE: /tentang-kami (About Us)
Explains the company's role as a financial aggregation service provider, opening access to deposit products from hundreds of BPRs nationwide and connecting urban depositors' funds with local business financing needs. States a vision of becoming a leading option for investment diversification while strengthening BPR access to funding, and a mission of building a sustainable, transparent funding ecosystem connecting investors and BPRs. Lists leadership (Direksi & Komisaris): a President Director and a Director focused on organizational growth, risk/compliance, and marketing/branding respectively; a President Commissioner with an investment banking/private equity background; and a Commissioner with a long career in central banking and financial regulation, holding a doctorate in economic law. Repeats company office addresses and standard footer/contact content.

## PAGE: /promo (Promotions)
Lists a feed of promotional and cashback campaign announcements (e.g., flash-sale bonuses, "double untung" mid-year campaigns, referral bonuses, cashback for auto-rollover deposits, cashback tiers up to several million rupiah, and a low-minimum "Rp1 juta" deposit campaign), each dated between March 2025 and August 2026, attributed to the DepositoBPR by Komunal team.

## PAGE: /faq (FAQ)
Presents an FAQ hub organized into topical categories rather than a flat list, including: General, Cashback & Tax Deductions, Fund Security, Personal Information, Transaction Process, E-Deposito Advice/Statements, Deposit Certificates (Bilyet), Deposit Term Duration, and Sharia (Syariah) Deposito. Individual questions/answers are accessed through these category links rather than shown inline on this page.

## PAGE: /kalkulator (Deposit Calculator)
An interactive tool for estimating deposit returns. Inputs include initial deposit amount, tenor (selectable: 1, 2, 3, 6, or 12 months), and annual interest rate, with a note that a 20% tax applies to deposits of Rp7,500,000 or more. Outputs include the total funds after the tenor ends, interest before tax, and interest after tax. The page repeats the three core value propositions (higher returns, LPS-insured safety, access to many BPRs via one app) below the tool.

## PAGE: /hubungi-kami (Contact Us)
A contact/support page offering email, WhatsApp, and branch-office phone contact options for customer service questions about deposit products, interest rates, and data security. Includes a disclaimer clarifying that DepositoBPR by Komunal acts as an aggregator connecting BPR/BPRS institutions with depositors, and that the underlying deposit products belong to each respective BPR/BPRS, which bears responsibility for related claims, risks, or losses.

## PAGE: /blog (Blog)
An educational content hub with articles on financial and banking topics relevant to depositors, dated July–August 2026, covering: an explainer on "PAJK" licensing for financial aggregator platforms and how it relates to deposit safety; strategies for diversifying deposits across multiple BPRs through a single app (referencing the LPS insurance cap of Rp2 billion per depositor per bank); an explainer on the Loan to Deposit Ratio (LDR) banking metric; an explainer on Non-Performing Loans (NPL) at BPRs and its relevance to depositors; an explainer on how LPS deposit insurance works; and a note on SLIK (the OJK-run credit information system) having replaced the older "BI Checking" system since December 2017. A "Lihat Semua" (See All) link leads to further blog listings.

## PAGES CHECKED BUT NOT FOUND (404 "Sepertinya Anda Tersesat")
- /produk (Products) — linked from main navigation but currently returns a not-found page.
- /artikel (Articles) — linked from main navigation but currently returns a not-found page; content instead lives under /blog.

## SITE NAVIGATION (as observed)
Header/top menu: Beranda (Home), Tentang Kami (About), Promo, Artikel (Articles, currently 404, superseded by Blog), Masuk (Log in — links to https://app.depositobpr.id/).
Utility ribbon links: Kalkulator, FAQ, Hubungi Kami.
Footer menu: Kalkulator, Promo, Blog, FAQ, Hubungi Kami, Syarat dan Ketentuan (Terms & Conditions), Kebijakan Privasi (Privacy Policy).
Chat widget: WhatsApp-based live chat launcher present on every page.

## CONTACT & OFFICE INFORMATION
Company: PT. Komunal Sejahtera Indonesia
Email: hello@depositobpr.co.id
WhatsApp: +62 851-6310-6672
Branch office phone: +62 31-3000-3303
Head office: GoWork Sampoerna Strategic Square, North Tower, 12th floor, Jl. Jend. Sudirman Kav. 45, Karet Semanggi, Setiabudi, South Jakarta, 12930
Branch office: Ciputra World Office, 30th floor, Jl. Mayjen Sungkono Kav. 89, Gunung Sari, Dukuh Pakis, Surabaya, East Java, 60224

## REGULATORY / TRUST SIGNALS
- Registered with and supervised by OJK, registration No. S-576/IK.01/2024.
- Deposits placed via the platform stated to be guaranteed by LPS (Indonesia's deposit insurance agency).
- Footer displays "Telah Tersertifikasi" (Certified) badge referencing OJK registration and LPS guarantee.
- Copyright line: "© 2026 PT. Komunal Sejahtera Indonesia".
 

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SECTION A — BLOG (30 most recent posts, https://depositobpr.id/blog/*)
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Posts are catalogued newest first, sourced from the /semua-blog archive.

1. "PAJK Itu Apa? Kenapa Lisensi Ini Bikin Deposito Lebih Aman" (3 Aug 2026, by the Legal & Compliance team)
Explains a new OJK regulation (POJK 4/2025, effective Feb 2025) that formally licenses "PAJK" — financial-services aggregator platforms like marketplaces that compare and connect consumers to deposit, insurance, and loan products from multiple institutions. The article walks through licensing requirements (PT legal entity, minimum paid-up capital, dedicated leadership), operating principles (transparency, data protection, no copied/unsourced content), and OJK's ongoing supervision and reporting obligations. It argues this regulation gives depositors three protective layers when using DepositoBPR by Komunal: the platform's own PAJK license (No. S-576/IK.01/2024), the platform's internal BPR curation process, and LPS deposit insurance.

2. "Cara Diversifikasi Deposito di Beberapa BPR Lewat Satu Aplikasi" (23 Jul 2026, Marketing team)
Discusses why spreading deposits across multiple BPRs is useful even for balances under the Rp2 billion LPS insurance cap per bank, covering benefits like maximizing insurance coverage, reducing concentration risk, and mixing tenors/rates. It contrasts the old, manual multi-branch process with today's single-app registration (ID verification, PrivyID e-signature, choosing products, transferring funds) and outlines diversification strategies by insurance limit, tenor mix, geography, and bank profile.

3. "LDR – Loan to Deposit Ratio: Rasio Sederhana yang Bisa Ceritakan Banyak Hal" (21 Jul 2026, Research team)
An educational explainer on the Loan-to-Deposit Ratio, defining it as loans disbursed divided by deposits collected, with OJK's healthy industry range cited as roughly 78–92%. Uses a shopkeeper analogy and a real partner-bank profile (BPR Nusumma Jatim, based in Jombang) to illustrate how LDR should be read alongside CAR, NPL and profit rather than in isolation, and notes that BPR LDR above 100% isn't automatically risky if capital and liquidity are strong.

4. "Apa Itu NPL BPR dan Kenapa Nasabah Deposito Harus Peduli?" (20 Jul 2026, Research team)
Explains Non-Performing Loan ratios, noting BPR industry NPL (cited around 11.9% as of March 2025) is structurally higher than commercial banks (~2.17%) because BPRs serve riskier micro/small business borrowers, compounded by lingering pandemic effects. Argues high NPL isn't automatically dangerous if offset by strong capital adequacy (CAR), and describes how DepositoBPR's curation process weighs NPL alongside CAR, efficiency, and profitability before listing a BPR.

5. "Uangmu di BPR Dijamin Negara: Ini Cara Kerja LPS" (15 Jul 2026, by Eko Purnomo)
A history and mechanics explainer of Indonesia's deposit insurer LPS, tracing its 2004 founding after the 1998 banking crisis, its independence and reporting line to the President, and its coverage of up to Rp2 billion per depositor per bank across savings, current, and deposit accounts. Describes the claims process if a bank fails and cites LPS data that 99.97% of BPR/BPRS accounts are fully covered.

6. "BI Checking Sudah Tidak Ada: Kenali SLIK, Penggantinya" (14 Jul 2026)
Clarifies that the old "BI Checking" credit bureau system was replaced by OJK's SLIK system in 2018, covering far more lender types (including fintech lending and multifinance) with deeper data and public self-service access via idebku.ojk.go.id. Details the five collectibility (Kol 1–5) credit-status tiers and common misconceptions about how long negative records persist (24 months after settlement).

7. "Rupiah Paling Lemah di ASEAN: Ini Cara Menilai Kekuatan Mata Uang" (6 Jul 2026, by Eko Purnomo)
Analyzes the rupiah's underperformance versus regional peers in 2026, framing currency strength around five pillars: trade balance, interest rates, inflation, capital flows, and foreign reserves, plus "soft" factors like fiscal credibility and rating agency sentiment (citing Fitch/Moody's outlook downgrades). Concludes with practical takeaways about diversifying savings and choosing healthy financial institutions rather than panicking over short-term currency swings.

8. "Dua Angka di Laporan BPR yang Wajib Anda Pahami: CAR dan Cash Ratio" (3 Jul 2026, by Eko Purnomo)
Distinguishes capital adequacy (KPMM/CAR — a bank's capital cushion against risk-weighted assets, minimum 12%) from Cash Ratio (short-term liquidity to meet withdrawals, minimum 4%), using a building-foundation vs. emergency-exit analogy. Walks through four combined scenarios (high/low CAR × high/low Cash Ratio) to show why both metrics must be read together to judge a BPR's real health.

9. "10 BPR dengan Ekuitas Terbesar di DepositoBPR 2026" (21 May 2026, by Eko Purnomo)
Profiles ten partner BPR/BPRS ranked by equity size, including Bank Eka (Lampung, largest BPR asset base in Indonesia), BPR Hasamitra (Makassar), BPR Bank Boyolali (regional government-owned), Bank Daerah Bojonegoro, BPRS Dinar Ashri (Mataram), BPR Gunung Slamet (Cilacap), BPR Lingga Sejahtera (Kalimantan Tengah), BPR Dana Pensiun Taspen, BPR Indra Candra (Bali), and BPR Kredit Mandiri Indonesia — each with brief history, asset size, and key ratios (CAR/NPL/LDR). Explains why equity size matters as a loss-absorption buffer and growth-capacity indicator.

10. "Siapa Mengelola Uang Anda? Ini Pentingnya Tata Kelola Bank" (7 May 2026)
Summarizes a University of Sebelas Maret academic study on BPR corporate governance in West Java (2021–2023), reporting that 123 BPRs were shut down in five years mostly due to fraud/weak governance rather than poor business conditions. Counterintuitively, more directors or commissioners didn't correlate with better performance, while female board representation correlated positively with ROA — reinforcing the value of the platform's independent curation of partner banks.

11. "Simpanan BPR/BPRS Capai Rp183,79 Triliun di Akhir 2025" (24 Apr 2026)
Reports LPS/industry statistics showing total BPR/BPRS deposits reached Rp183.79 trillion by December 2025 (+5.88% YoY) even as the number of active BPR/BPRS entities shrank to 1,487 through consolidation. Breaks down deposit composition (time deposits ~70%, savings ~rest), regional distribution (Central Java leading), conventional vs. Sharia growth, and confirms 99.97% of accounts remain fully LPS-insured.

12. "Memahami Neraca Keuangan BPR: Panduan Praktis bagi Masyarakat Umum" (1 Apr 2026, by Eko Purnomo)
A plain-language guide to reading a BPR's balance sheet (Assets = Liabilities + Equity), explaining line items like cash/interbank assets, loans disbursed (typically 70–80% of assets), loan-loss reserves (PPAP), customer deposits (typically 70–85% of liabilities), interbank liabilities, and equity — plus three quick health checks: LDR range, equity growth trend, and reserve adequacy versus loan book size.

13. "PENYESUAIAN OPERASIONAL SELAMA LIBUR HARI RAYA IDULFITRI 2026" (17 Mar 2026)
An operational notice detailing adjusted processing schedules for deposit maturities, interest/ARO rollovers, new placements, cashback payouts, and tax-slip requests during the Idul Fitri 2026 holiday closure (18–24 March), with normal operations resuming 25 March, plus guidance on payment-system limitations (RTGS/LLG unavailable; recommending BI-Fast for amounts under Rp250 million).

14–15. "Panduan Download Bukti Potong Pajak Deposito di Coretax" (two near-duplicate versions, 10 Mar 2026)
A how-to guide explaining that deposit interest tax isn't yet auto-populated in Indonesia's Coretax annual tax-filing system, so taxpayers must manually retrieve their withholding slip via Coretax's e-Bupot menu or request it through the DepositoBPR app (Profile → Laporan Keuangan → Laporan Pajak, PIN-protected), then enter the gross interest and 20% final tax into SPT Lampiran L-2 Bagian A.

16. "Annual Report: Definisi, Komponen, Tujuan, dan Cara Membuat" (24 Feb 2026)
A general-education piece (not company-specific) defining what an annual report is for public companies, its regulatory basis (Permendag No. 25/2020), typical components (cover, shareholder letter, MD&A, governance, audited financials, sustainability report), its purpose for stakeholders, and a seven-step process to produce one.

17. "Apa Perbedaan Keinginan & Kebutuhan? Ini Tips Memahaminya!" (24 Feb 2026)
A personal-finance basics article distinguishing "needs" (finite, must-have, objective) from "wants" (unlimited, optional, subjective), with practical tips: self-assessment questions before buying, building a priority scale, and self-discipline to avoid overspending.

18. "Pensiun Dini: 5 Hal Yang Harus Dipersiapkan Sebelum Menjalaninya" (24 Feb 2026)
Covers the FIRE (early-retirement) trend in Indonesia with five preparation tips: acquiring income-generating assets, "paying yourself first" via automatic savings, working hard/disciplined saving, investing early to benefit from compounding, and detailed retirement planning.

19. "Apa itu Time Deposit? Ini Pengertian, Cara Kerja & Contohnya" (24 Feb 2026)
A basic explainer of time deposits: funds locked until maturity, higher interest than regular savings, early-withdrawal penalties, and product variants (open accounts like deposit-on-call/ARO, negotiable certificates of deposit, and passbook-style deposits), plus general pros/cons.

20. "Perbedaan Kerja Keras dan Kerja Cerdas, Lebih Baik Mana?" (24 Feb 2026)
Compares "working hard" (time/effort-intensive, quantity-focused, less adaptable) versus "working smart" (efficiency-focused, quality-oriented, more adaptable) across five dimensions: time use, output orientation, self-awareness, adaptability, and prioritization.

21. "Ini Rekomendasi Bank untuk Menabung yang Praktis & Aman" (24 Feb 2026)
General tips for choosing a savings bank (match to goals, check minimum deposit/balance rules, confirm LPS registration), then positions BPR savings/deposits — and specifically DepositoBPR by Komunal — as a millennial-friendly option citing low minimum deposits, competitive rates, LPS/OJK coverage, and one-time online registration across many partner BPRs.

22. "Mana Yang Lebih Untung? Investasi Atau Gaji Tinggi?" (24 Feb 2026)
Contrasts "active income" from a high-paying job with investment income, arguing both matter but that starting to invest early (even in low-risk instruments like deposits) builds wealth that a salary alone may not achieve, especially considering inflation and retirement goals.

23. "7 Cara Mengatur Keuangan Usaha Dengan Baik & Efisien" (24 Feb 2026)
A small-business finance checklist: build a financial plan, track every expense, set a budget, separate personal and business accounts, record all income, monitor cash flow, and reinvest profits into growth.

24. "8 Jenis Pendanaan Startup, Yuk Ketahui Tiap Tahapannya!" (24 Feb 2026)
Describes startup funding stages from bootstrapping and pre-seed/seed funding through Series A–G and eventual IPO, with rough Indonesian funding-size ranges per stage, plus practical steps to pitch investors (legal entity, traction, financial plan).

25. "Mengenal Deposito Syariah: Pengertian, Akad, dan Manfaatnya" (24 Feb 2026)
Explains Sharia deposits as profit-sharing (nisbah) rather than interest-based instruments under DSN-MUI fatwa guidance, describes the two mudharabah contract types (muthlaqah vs. muqayyadah), differentiates Sharia BPR (BPRS) deposits from conventional ones (fund management principle, profit split vs. fixed rate, no early-withdrawal penalty typically, and Islamic-law basis), and lists benefits like flexibility, transparency, LPS coverage, and halal compliance.

26. "Lebih Baik Buka Usaha atau Kerja? Simak Perbandingannya!" (24 Feb 2026)
Weighs the pros/cons of entrepreneurship (flexibility, creative control, job creation vs. capital needs, customer demands, bankruptcy risk) against being an employee (fixed salary, benefits, teamwork skills, career ladder vs. income ceiling, less autonomy, inflexible hours).

27. "TIDAK ASAL PILIH, BEGINI PROSES SELEKSI KETAT MITRA BPR KOMUNAL" (24 Feb 2026)
Describes Komunal's five-stage BPR partner-onboarding process (screening, initial assessment/interview and site visit, negotiation and document verification, technical training, and platform onboarding) and explicit selection criteria: digital readiness, a soundness score (TKS) of ≥75%, minimum core capital per OJK rules (≥Rp6 billion), and CAR ≥12% with cash ratio ≥10%. Notes that (at time of writing) only about 17% of Indonesia's ~1,600 BPRs had qualified as partners.

28. "Memahami Bilyet Deposito & Bedanya dengan Sertifikat Deposito" (24 Feb 2026)
Defines a deposit certificate/passbook (bilyet) as personalized, non-transferable proof of deposit ownership, contrasted with a negotiable certificate of deposit that can be traded and cashed by anyone holding it. Covers lost-bilyet procedures and general deposit-safety tips (confirm legality/LPS-OJK status, avoid unrealistically high rate offers).

29. "Investasi Emas Vs Deposito, Mana yang Lebih Baik & Untung?" (24 Feb 2026)
Compares gold investing (physical or digital, profit from price appreciation, high liquidity, inflation-linked upside) against deposits (fixed/predictable returns, LPS-insured, lower liquidity due to maturity lock-in), suggesting gold suits longer-horizon goals and deposits suit 1–2 year horizons.

30. "Apa itu LPS? Ini Pengertian, Fungsi, Tugas, dan Wewenangnya" (24 Feb 2026)
A comprehensive LPS primer covering its founding law (UU No. 24/2004), post-1998-crisis origin, functions, duties, authorities (including levying premiums and handling failed-bank resolution), what's insured, the Rp2 billion per-depositor-per-bank cap, funding sources, the claims process if a bank fails, and how LPS differs from OJK.

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SECTION B — /privileges (Komunal Privileges loyalty/membership page)
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Describes "Komunal Privileges," an exclusive membership tier layered on top of regular DepositoBPR accounts, pitched around three value pillars: extra benefits/promos, centralized control over investments via one app, and the narrative that members' deposits fund real impact for small businesses in the regions.

Two membership tiers are shown, distinguished by minimum active deposit balance: Gold (minimum Rp500 million active deposit) and Platinum (minimum Rp2 billion active deposit). Both tiers list the same benefit categories — priority relationship-manager support, exclusive offers, birthday/lifestyle gift vouchers, premium health-service access, domestic and international airport lounge access, and premium airport transfer service — implying Platinum members receive richer or higher-tier versions of these perks (exact differentiation per benefit wasn't broken out in the visible page text).

Joining requires an active DepositoBPR account meeting the balance threshold, then clicking to accept the program's terms and conditions from the Privileges or Profile page in the app. The page includes customer testimonials praising the health-service and airport-lounge perks, and repeats the standard OJK registration and LPS-guarantee disclosures. A short FAQ block on the page (categories only visible, full answers not expanded in this pass) covers what the program is, membership categories, benefits, and what happens if a member's balance drops below a tier threshold (demotion from Platinum to Gold, or Gold to Regular).

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SECTION C — /komunalbisnis (Komunal Bisnis — corporate/business deposits)
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A business-focused variant of the platform aimed at companies and organizations wanting to place idle corporate funds into BPR time deposits. Value propositions mirror the retail product but company-oriented: more productive returns than commercial banks, LPS protection up to Rp2 billion per company per bank, flexible access to many curated BPRs with some allowing penalty-free early withdrawal, and better separation/control of business funds from personal accounts.

The page repeats the same cumulative deposit-volume statistics as the homepage (approx. Rp29.78 trillion since inception; approx. Rp4.20 trillion in 2026, as of August 2026) and frames the platform's broader mission of channeling urban capital into regional BPRs to fund local MSMEs.

Several company/organization testimonials are featured, including a corporate PIC (PT Nusantara Bina Artha) praising the convenience of remote deposit placement and withdrawal, a foundation (Yayasan Pukat Indonesia) that has been a depositor since 2021, and two partner BPRs (BPR Nusumma Jatim and BPR Kirana) describing benefits from the business side — including transparency features and BPR Kirana's claim of gaining over 17,000 new depositors through the platform since September 2021.

Eligible participants are described as two categories: "Bank" entities (commercial banks, BPRs, or digital banks with OJK/BI licensing) and "Non-Bank" business entities. The onboarding process has six steps: gather required legal/corporate documents (articles of incorporation, business licenses, tax ID, bank account page, ID/tax numbers for directors and commissioners, plus extra documents for Sharia BPRs or regional-government-owned BPRs), download and register an individual account on the DepositoBPR app first, access the "Komunal Bisnis" menu, open a business account, undergo a KYC verification process (stated to take about 1 business day), and then begin submitting deposit placements. A downloadable guide and an FAQ section (covering topics like PIC account rules, cashback eligibility for business accounts, and changing registered bank accounts) are also referenced but not expanded in full on this pass.

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SECTION D — FAQ (full content by category, https://depositobpr.id/faq/*)
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--- Category: Umum (General) ---
Identifies the operating company as PT Komunal Sejahtera Indonesia, a licensed Indonesian fintech entity. States it holds OJK recognition as a Digital Financial Innovation (IKD) provider (citing older registration numbers alongside the current PAJK registration) and is a member of the Indonesian Fintech Association (AFTECH). Defines a BPR (Bank Perekonomian Rakyat) as a bank offering savings/deposit and lending services to the public and MSMEs without payment-system services, distinct from commercial banks. Explains DepositoBPR by Komunal as Komunal's product letting users place deposits across OJK-registered BPRs, highlighting marketplace-style convenience, competitive rates, LPS coverage up to Rp2 billion per BPR, and cashless-only transactions to reduce fraud risk. Also briefly defines LPS, payment gateways, and electronic signatures, and lists four contact channels (email, live chat, WhatsApp, and the head office address).

--- Category: Cashback & Potongan Pajak (Cashback & Tax Deductions) ---
Defines cashback as a cash-value promotional reward and distinguishes it from "hadiah langsung" (direct gifts/vouchers). Cashback is paid within a maximum of 30 business days after deposit maturity, and gift/voucher rewards within 30 days after the promo period or per specific promo terms; cashback is transferred to the depositor's registered active bank account (dormant accounts can't receive payouts), while gifts/vouchers are shipped or sent digitally. Confirms cashback is taxed, with rates varying by recipient type: 5% for ordinary promo cashback to Indonesian individuals, an effective ~2.5% for referral-program cashback (treated as a service fee), 20% for foreign individuals or foreign business entities, 2% for Indonesian non-bank corporate service recipients, 15% for Indonesian non-bank corporate non-service recipients, 0% for bank entities, and a flat 25% for prize-draw/lottery-type promotions. Cites Indonesian Directorate General of Tax Circular SE-24/PJ/2018 as the legal basis, and explains that DepositoBPR withholds and reports this tax automatically, tied to the depositor's tax ID (NPWP).

--- Category: Keamanan Dana (Fund Security) ---
States deposit safety rests on partnering only with LPS-participating, OJK-supervised BPRs. Describes the death-of-depositor claims process (heirs contact the partner BPR and Komunal to verify and update records). Outlines four risk categories the company manages: liquidity risk (mitigated via financial vetting requiring BPR partners to maintain CAR ≥12%, cash ratio ≥10%, and NPL ≤10%, plus encouraging depositor diversification and relying on LPS coverage), personal-data risk (mitigated via information-security controls), operational/fraud risk (mitigated by requiring all transactions to be cashless with no funds ever held by the company itself), and systemic risk (mitigated via reliable data-center/disaster-recovery arrangements). Reiterates LPS's Rp2 billion per-depositor-per-bank coverage conditions (funds must be recorded in the bank's books, interest must not exceed the LPS-set fair rate ceiling, and the depositor must not have harmed the bank e.g. via bad loans) and explains the claims procedure if a partner BPR is liquidated by LPS, noting the DepositoBPR team can assist depositors through that process.

--- Category: Informasi Pribadi (Personal Information) ---
For individual users, only an ID card (KTP) photo and a selfie are required to open an account. Personal data is used for KYC verification, for creating a PrivyID e-signature account, and for completing BPR deposit application forms. States the company applies encryption, restricted internal access, firewall/antivirus protections, vetted server providers with regular backups, and holds ISO 27001:2013 certification for information security management. Users sign a general user agreement at registration, then two further documents per deposit application: an e-form request and a power of attorney (required under Indonesia's Banking Law Article 40(1) so the chosen BPR can disclose account information back to the platform). Cites Indonesia's Electronic Information and Transactions Law (UU ITE) Article 11(1) and its implementing regulation as the legal basis establishing that electronic signatures are valid when specific integrity/authentication conditions are met.

--- Category: Proses Transaksi (Transaction Process) ---
Eligible depositors are Indonesian citizens aged 17+ with an e-KTP, or any Indonesian-incorporated business entity. No platform fee applies to open a deposit, though interbank transfer fees or stamp duty may apply depending on the partner BPR. Describes two registration paths (with or without an existing PrivyID account) through depositobpr.id, and the deposit application lifecycle status flow: "Diulas" (under BPR review, ~2 business days) → "Menunggu Pembayaran" (awaiting payment via the payment gateway, due within 24 hours of approval) → "Aktif" once funds are confirmed and a physical bilyet is issued and mailed → "Jatuh Tempo" when the depositor must return the signed physical bilyet to the BPR at maturity → "Lunas" once funds are disbursed back to the depositor's registered account. States rejected applications are simply declined with notice; interest and principal are paid together in one lump sum at maturity; early withdrawal is possible by contacting Customer Happiness via WhatsApp; minimum placement starts around Rp1 million (varies by BPR) with a maximum of Rp2 billion per BPR (to stay within LPS coverage) and a per-transaction cap of Rp100 million; provides worked examples of monthly-prorated versus daily-prorated interest calculations; explains the ARO (Automatic Roll Over) feature and how to deactivate it up to 7 business days before maturity; states deposit interest is taxed at 20% for total deposits above Rp7.5 million; and outlines bilyet delivery timing (~3 business days, shipping cost covered by the company) and confirmation requirements.

--- Category: Advis E-Deposito (E-Deposito Statements) ---
Explains that for e-deposito products, the partner BPR (not PT KSI) issues an electronic advice slip shown in-app, with an email notification once issued, containing account number, holder name, placement amount, interest rate, and tenor. Depositors can verify authenticity by contacting the BPR directly or visiting its branch. E-deposits are automatically disbursed by the BPR at maturity to the registered bank account, with an email confirmation sent once processed.

--- Category: Bilyet Deposito (Physical Deposit Certificates) ---
Physical bilyets are issued exclusively by the partner BPR (never by PT KSI, which only displays a copy in-app) and mailed to the depositor's address, with delivery proof uploaded by the BPR and receipt confirmation required from the depositor. Genuine bilyets carry the issuing BPR's name/logo, a registration number, account and holder details, rate/profit-sharing info, tenor, at least one director-level signature, and an official stamp. At maturity, the signed physical bilyet must be mailed back to the BPR as a precondition for cashing out. Detailed procedures are given for a lost bilyet, differentiating cases reported within 14 days after dispatch (where DepositoBPR assists with the police loss-report process) versus after 14–21 days (depositor handles it independently)