As global economic uncertainty rises, Indonesia’s first BPR deposit marketplace offers a smart, secure, and impactful investment alternative for everyday investors.
Jakarta — In today’s increasingly volatile global economy, individuals are seeking stable and secure investment options that not only generate attractive returns but also offer peace of mind. Diversification has become a key strategy, and time deposits—particularly those offered by rural banks (Bank Perekonomian Rakyat, or BPR)—are emerging as a compelling solution.
Despite their important role in supporting local economies, BPRs face serious challenges: limited exposure, technological constraints, and the dominance of large commercial banks have made it difficult for many of them to grow or compete.
In response to these challenges, fintech innovator Komunal launched DepositoBPR by Komunal, Indonesia’s first digital marketplace exclusively for BPR time deposits. The platform allows individuals across the country to easily access high-interest, government-insured deposits from selected BPRs—all without having to visit a bank branch.
Bridging BPRs and the Public Through Technology
DepositoBPR by Komunal was created with a dual purpose: to expand access to capital for BPRs, and to offer the public a safe, high-yield investment option. By using digital infrastructure, Komunal has simplified the process of placing deposits—making it possible for anyone with a smartphone to invest in rural banks in just a few clicks.
More importantly, the platform has already delivered measurable economic impact. As of June 2025, DepositoBPR by Komunal has channeled more than IDR 21 trillion (approx. USD 1.3 billion) in deposits to over 350 selected BPR partners nationwide.
These funds are directly supporting productive lending to micro, small, and medium enterprises (MSMEs) in local regions, empowering businesses and communities. Every rupiah deposited through Komunal ultimately helps strengthen Indonesia’s regional economies—a clear example of impact investing at scale.
High Yields with Government-Backed Safety
DepositoBPR by Komunal offers competitive interest rates of up to 6.5% per annum, significantly higher than other commercial bank deposits. All deposits are insured by Indonesia’s Deposit Insurance Corporation (LPS) up to IDR 2 billion (approx. USD 125,000) per account, per BPR—providing a level of protection that aligns with global standards of financial security.
This combination of high returns and low risk makes BPR time deposits a smart investment choice—especially for risk-conscious investors navigating market uncertainty.
Supporting Indonesia’s Financial Inclusion Vision
The presence of DepositoBPR by Komunal is aligned with Indonesia’s national agenda to expand financial inclusion, as championed by the Financial Services Authority (OJK). By digitizing and distributing BPR deposit products, Komunal is unlocking access to financial instruments that were once limited to certain regions or demographics.
This effort not only supports the growth of rural banks but also provides urban millennials, working professionals, and first-time investors with transparent, practical, and impactful investment opportunities.
Investing with Purpose
Today, investing goes beyond personal wealth—it’s about contributing to something greater. With DepositoBPR by Komunal, every deposit becomes part of a national movement to empower local banks, uplift MSMEs, and strengthen Indonesia’s real economy.
