Sinaya : SMBC Indonesia

The light that empowers, creates a more meaningful life

Sinaya is the wealth management business segment of SMBC Indonesia that offers security, excellent personal service and optimum return from its banking products.

At Sinaya, not only your investments grow with optimum return, but they also take on a journey to become “Sinar yang Memberdayakan” (The Light That Empowers). For every fund you save will be distributed to low-income households, micro, small and medium-sized enterprizes, as well as development projects initiated by the government, so that you are contributing to our mission to empower millions of Indonesians and develop national economy.

Enjoy a variety of banking products from savings accounts, current account, deposit account, and other Wealth Management products such a Mutual Fund, Bonds, and Bancassurance.

With Sinaya, develop yourself and others to create a more meaningful life.

Your Money Journey

In Sinaya, your money does not only grow, but also embarking a journey of empowering others to improve the lives of Indonesians.

Follow your money in Sinaya for a greater significance.

Sinaya Prioritas

Delivered as an advanced digital priority banking that will give you more than a Priority Service.

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Savings Account & Current Account

Sinaya offers various savings account products that offers security, excellent personal services and optimum return.

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Time Deposit

SMBC Indonesia with Sinaya is committed to provide premium, personal services.

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Bancassurance

Partnering with PT Asuransi Allianz Life Indonesia, Sinaya is committed to give you the comfort and security of you and your family’s future.

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Investment Product

Investment products from Sinaya that consist of Mutual Fund dan Government Bond

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Other Sinaya Services

Features & Promotion

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Significant Impact

Our empowerment program is an integrated element to our business model. We will always try to create opportunities for all SMBC Indonesia customers to grow and make a more meaningful life through our products and activities.

Erna Zurnimawati

"While being a customer of Bank SMBC Indonesia, I have been guided by the Daya team, starting from exhibitions, coaching, and many online and offline training sessions. I have also received orders from SMBC Indonesia itself"

Siti Rochanah

"I am able to manage my business finances and its online store as taught by Daya, and am often invited to participate in various exhibitions. The pinnacle of my achievement was being introduced to President Joko Widodo at an exhibition held by SMBC Indonesia, and my product, Iwaknyuzz, received an appreciation from him"

Adam Abdullah

"Through the Daya program, we also received capital support that helped us increase production capacity even further, through an easy and non-burdensome capital scheme. This business easily obtains adequate and measurable capital according to the capacity and ability of the business. We are grateful that WGB is now a market leader in the plus-size men's retail clothing business"

Agnes Sukenty Niken

“After receiving personalized coaching for 6 months from Daya SMBC Indonesia, starting from creating a business plan, ensuring the supply chain of raw materials, and scaling up the business itself. It turns out that running this business involves so many things that I had not previously thought. As of now, Ing Pawon's products are available in various modern retail outlets from Papua to Sumatra ”