{"id":3475,"date":"2024-05-25T12:00:07","date_gmt":"2024-05-25T05:00:07","guid":{"rendered":"http:\/\/34.101.166.12\/blog\/?p=3475"},"modified":"2025-10-30T18:41:18","modified_gmt":"2025-10-30T11:41:18","slug":"mengenal-apa-itu-sbn-ritel","status":"publish","type":"post","link":"https:\/\/skorlife.com\/blog\/investasi\/mengenal-apa-itu-sbn-ritel\/","title":{"rendered":"Mengenal Apa Itu SBN Ritel? Ini Dia Pengertian dan Jenisnya"},"content":{"rendered":"

Surat Berharga Negara (SBN) Ritel merupakan alternatif instrumen investasi yang dinilai menguntungkan. Yuk, cari tahu\u00a0 dengan surat berharga ini.\u00a0<\/span><\/p>\n

<\/p>\n

Masyarakat awam mungkin lebih terasa akrab dengan investasi dalam bentuk emas batangan, emas perhiasan, atau properti.<\/span><\/p>\n

Padahal, berinvestasi juga bisa dilakukan di pasar modal yang dapat memberikan keuntungan sekaligus berkontribusi terhadap pembangunan ekonomi negara.<\/span><\/p>\n

Sebelumnya, ada sejumlah ulasan lengkap mengenai investasi saham yang juga dilakukan di pasar modal.\u00a0<\/span><\/p>\n

Nah, salah satu instrumen investasi dalam pasar modal adalah Surat Berharga Negara (SBN) Ritel.<\/span><\/p>\n

Lantas, apa yang dimaksud dengan SBN Ritel?<\/span><\/p>\n

Blog SkorLife<\/span> telah merangkumnya dari berbagai sumber dan akan menjelaskannya secara singkat.\u00a0<\/span><\/p>\n

Pengertian Surat Berharga Negara Ritel<\/b><\/h2>\n

Mengutip laman resmi Kementerian Keuangan, SBN Ritel adalah adalah instrumen pembiayaan APBN berupa produk investasi yang dapat dibeli oleh Warga Negara Indonesia.<\/span><\/p>\n

Surat Berharga Negara ini memiliki dua jenis yakni SBN Ritel <\/span>Tradable<\/span><\/i> dan <\/span>Non Tradable<\/span><\/i>.<\/span><\/p>\n

Apa itu SBN Ritel Tradable adalah Surat Berharga Negara yang dapat diperjualbelikan di pasar sekunder seperti Obligasi Negara Ritel (ORI) dan Sukuk Ritel (SR).<\/span><\/p>\n

Sedangkan untuk jenis <\/span>non tradable<\/span><\/i> yakni produk SBN Ritel yang tidak dapat diperjualbelikan di pasar sekunder.<\/span><\/p>\n

Adapun produk yang termasuk kelompok <\/span>non tradable<\/span><\/i> ini adalah <\/span>Savings Bond<\/span><\/i> Ritel (SBR) dan Sukuk Tabungan (ST).<\/span><\/p>\n

Pengelompokan Surat Berharga Negara Ritel juga terbagi atas SBN konvensional dan SBN syariah.<\/span><\/p>\n

Untuk jenis SBN konvensional, ada ORI dan SBR. Sementara produk syariah terdiri dari Sukuk Ritel, Sukuk Tabungan, dan <\/span>Cash Waqf Linked Sukuk<\/span><\/i> (CWLS) atau Sukuk Wakaf Ritel (SWR).<\/span><\/p>\n

Setiap jenis SBN ritel tersebut punya karakteristik masing-masing dengan tingkat keuntungan kupon yang berbeda pula.<\/span><\/p>\n

Di bawah ini ada ragam jenis Surat Berharga Negara Ritel yang telah dirangkum dari laman berita online<\/em> Kompas.com.<\/span><\/p>\n

\"\"
Foto: Bni.co.id<\/figcaption><\/figure>\n

Jenis-jenis SBN Ritel<\/b><\/h2>\n

1. Obligasi Negara Ritel Indonesia (ORI)<\/b><\/h3>\n

Jenis SBN Ritel yang pertama ialah ORI atau Obligasi Ritel Indonesia.<\/span><\/p>\n

ORI adalah surat utang negara yang dijual oleh pemerintah kepada investor ritel di pasar perdana domestik dan dapat diperdagangkan di pasar sekunder.<\/span><\/p>\n

Investor Obligasi Negara Ritel akan mendapatkan imbal hasil berupa kupon dan dibayarkan setiap bulan pada periode yang telah ditetapkan.<\/span><\/p>\n

Pemerintah RI baru saja menawarkan SBN Ritel terbaru 2024, seri ORI025T3 (jatuh tempo 3 tahun) dan ORI025T6 (jangka waktu 6 tahun).<\/span><\/p>\n

Lantas, apakah ORI bisa dicairkan sebelum jatuh tempo?<\/span><\/p>\n

ORI tidak bisa dicairkan sebelum jatuh tempo, tetapi pemiliknya bisa menjual Obligasi Ritel melalui pasar sekunder setelah penerimaan kupon pertama.<\/span><\/p>\n

2. <\/b>Savings Bond Ritel<\/i><\/b> (SBR)<\/b><\/h3>\n

Tahukah kamu apa yang dimaksud dengan SBR?<\/span><\/p>\n

SBR adalah singkatan dari <\/span>Savings Bond<\/span><\/i> Ritel merupakan surat utang negara yang diterbitkan oleh pemerintah.<\/span><\/p>\n

Keuntungan SBR hadir melalui kupon mengambang dengan tingkat minimal dan mengacu pada (Bank Indonesia) BI 7-<\/span>Days Reverse Repo Rate<\/span><\/i> (BI-7DR). Saat ini, namanya kembali menjadi BI Rate.\u00a0<\/span><\/p>\n

Tingkat kupon SBR akan disesuaikan setiap tiga bulan pada tanggal penyesuaian kupon sampai dengan jatuh tempo.<\/span><\/p>\n

Lantas, kupon SBR apa kena pajak?<\/span><\/p>\n

Berdasarkan Peraturan Pemerintah (PP) Nomor 91 Tahun 2021, penerima kupon dari seri SBR012 dikenakan pajak SBN Ritel sebesar 10%.<\/span><\/p>\n

Investor perlu ingat kalau pemerintah mengenakan pajak pada investasi di pasar modal, seperti halnya pajak obligasi.\u00a0<\/span><\/p>\n

3. Sukuk Ritel (SR)<\/b><\/h3>\n

Sukuk Ritel atau Sukuk Negara Ritel adalah jenis Surat Berharga Negara (SBN) dengan prinsip syariah yang ditawarkan oleh pemerintah kepada individu warga negara Indonesia.<\/span><\/p>\n

Pemegang Sukuk Ritel akan mendapatkan keuntungan berupa imbal hasil tetap yang dibayarkan setiap bulannya.<\/span><\/p>\n

4. Sukuk Tabungan (ST)<\/b><\/h3>\n

Jenis SBN syariah berikutnya yakni Sukuk Tabungan atau ST.<\/span><\/p>\n

Sukuk Tabungan merupakan produk investasi syariah yang diterbitkan pemerintah kepada warga negara Indonesia.<\/span><\/p>\n

Adapun kelebihan Sukuk Tabungan pemiliknya akan mendapatkan imbal hasil investasi atau kupon yang bersifat mengambang dengan batas minimal dan dibayarkan setiap bulan.<\/span><\/p>\n

Meski tidak bisa diperdagangkan di pasar sekunder, tetapi Sukuk Tabungan bisa dicairkan sebelum jatuh tempo (<\/span>early redemption<\/span><\/i>).<\/span><\/p>\n

5. Sukuk Wakaf Ritel (SWR)<\/b><\/h3>\n

Apa itu Sukuk Wakaf (SWR)?<\/span><\/p>\n

Melansir dari Unair.ac.id, Sukuk Wakaf Ritel atau <\/span>Cash Waqf Sukuk<\/span><\/i> (CWLS) adalah investasi dana wakaf pada Sukuk Negara (SBSN) dengan prinsip syariah.<\/span><\/p>\n

Dana wakaf tersebut disalurkan untuk program sosial oleh Nazhir yang ditunjuk oleh pemerintah.<\/span><\/p>\n

Imbal hasil atau kupon Sukuk Wakaf bersifat mengambang atau <\/span>floating with floor<\/span><\/i>.<\/span><\/p>\n

Sebagai informasi, investasi SBN syariah jenis ini tidak dapat diperdagangkan di pasar sekunder.<\/span><\/p>\n

Nah, itulah informasi terkait pengertian apa itu SBN Ritel dan ragam jenis serta karakteristiknya. Semoga bermanfaat ya!<\/span><\/p>\n

Jangan lupa untuk membaca artikel terbaru mengenai keuangan, bisnis, ekonomi, hingga gaya hidup hanya di <\/span>blog SkorLife<\/span>.<\/span><\/p>\n

Untuk kamu yang ingin membeli mobil listrik dengan skema cicilan ke bank, yuk cek dulu skor kreditnya di <\/span>aplikasi SkorLife <\/span><\/a>melalui <\/span>smartphone<\/span><\/i>.<\/span><\/p>\n

\"\"<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Surat Berharga Negara (SBN) Ritel merupakan alternatif instrumen investasi yang dinilai menguntungkan. Yuk, cari tahu\u00a0 dengan surat berharga ini.\u00a0<\/p>\n","protected":false},"author":15,"featured_media":3497,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[19],"tags":[47,48],"class_list":["post-3475","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investasi","tag-sbn","tag-surat-berharga-negara"],"acf":[],"yoast_head":"\nMengenal Apa Itu SBN Ritel?<\/title>\n<meta name=\"description\" content=\"Surat Berharga Negara (SBN) Ritel merupakan alternatif instrumen investasi yang dinilai menguntungkan. 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