{"id":4167,"date":"2024-06-21T15:00:11","date_gmt":"2024-06-21T08:00:11","guid":{"rendered":"https:\/\/skorlife.com\/blog\/?p=4167"},"modified":"2025-10-31T10:40:54","modified_gmt":"2025-10-31T03:40:54","slug":"mengenal-sukuk-tabungan","status":"publish","type":"post","link":"https:\/\/skorlife.com\/blog\/investasi\/mengenal-sukuk-tabungan\/","title":{"rendered":"Mengenal Sukuk Tabungan (ST): Pengertian, Karakteristik, dan Keuntungan"},"content":{"rendered":"<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Yuk, cari tahu apa itu sukuk tabungan (ST), karakteristik dan keuntungannya bila memiliki instrumen investasi di pasar modal ini.<\/span><\/p>\n<p style=\"text-align: left;\"><!--more--><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Salah satu jenis Surat Berharga Negara atau SBN yang bisa dimiliki oleh masyarakat adalah Sukuk Tabungan (ST).<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">ST memiliki karakteristik mirip dengan tabungan atau deposito bank, tetapi punya sejumlah keuntungan lainnya.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Nah, untuk mengetahui apa yang dimaksud dengan ST, mari simak penjelasannya di bawah ini. <\/span><a href=\"https:\/\/skorlife.com\/blog\/\" data-wpel-link=\"internal\"><span style=\"font-weight: 400;\">Blog SkorLife<\/span><\/a><span style=\"font-weight: 400;\"> telah merangkumnya dari berbagai sumber.\u00a0\u00a0<\/span><\/p>\n<h2 style=\"text-align: left;\"><b>Pengertian Sukuk Tabungan<\/b><\/h2>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Apa yang dimaksud sukuk tabungan?<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Melansir laman resmi Kementerian Keuangan RI, sukuk tabungan adalah produk investasi berbasis syariah yang diterbitkan oleh pemerintah untuk individu Warga Negara Indonesia (WNI).<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Prinsip pengelolaan Surat Berharga Syariah Negara (SBSN) tidak mengandung unsur <\/span><i><span style=\"font-weight: 400;\">maysir<\/span><\/i><span style=\"font-weight: 400;\"> (judi), <\/span><i><span style=\"font-weight: 400;\">gharar<\/span><\/i><span style=\"font-weight: 400;\"> (ketidakjelasan), dan riba (bunga).<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Selain itu, jenis instrumen investasi pasar modal ini telah dinyatakan sesuai syariah oleh Dewan Syariah Nasional \u2013 Majelis Ulama Indonesia (DSN-MUI).<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Terdapat dua seri ST yang diterbitkan pemerintah pada tahun 2024 ini.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Antara lain, seri ST012T2 dengan tenor 2 tahun dan ST012T4 (Green Sukuk) dengan tenor 4 tahun.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Lantas, berapa lama jangka waktu sukuk tabungan? Tenor atau jangka waktu ST hanya 2 tahun atau lebih pendek dari tenor sukuk ritel yang berlangsung selama 3 tahun.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Bila kamu penasaran apakah sukuk tabungan bisa dijual lagi, maka ST tidak dapat diperdagangkan di pasar sekunder.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Adapun pajak sukuk tabungan mengikuti peraturan perundang-undangan yang berlaku, yakni sebesar 15% dan bersifat final.<\/span><\/p>\n<h2 style=\"text-align: left;\"><b>Karakteristik Sukuk Tabungan (ST)<\/b><\/h2>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Jadi setelah tahu ST adalah produk investasi dengan prinsip syariah yang diterbitkan pemerintah, saatnya melihat beberapa karakteristik dari instrumen invetasi ini. Berikut ini penjelasannya!<\/span><\/p>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Diterbitkan untuk individu Warga Negara Indonesia (WNI).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dana investasi dikelola dengan prinsip syariah.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Keuntungan ST berupa kupon atau imbalan mengambang dengan batas minimal (floating with floor).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Memiliki fasilitas <\/span><i><span style=\"font-weight: 400;\">early redemption<\/span><\/i><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pemesanan mulai dari Rp1 juta hingga Rp3 miliar.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tidak dapat diperdagangkan di pasar sekunder.<\/span><\/li>\n<\/ul>\n<figure id=\"attachment_4178\" class=\"wp-caption alignnone\" ><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-4178 size-full\" src=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/06\/mengenal-sukuk-tabungan.jpg\" alt=\"mengenal sukuk tabungan\" width=\"816\" height=\"510\" srcset=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/06\/mengenal-sukuk-tabungan.jpg 816w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/06\/mengenal-sukuk-tabungan-300x188.jpg 300w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/06\/mengenal-sukuk-tabungan-768x480.jpg 768w\" sizes=\"auto, (max-width: 816px) 100vw, 816px\" \/><figcaption class=\"wp-caption-text\">Foto: Kementerian Keuangan<\/figcaption><\/figure>\n<h2 style=\"text-align: left;\"><b>Keuntungan Sukuk Tabungan (ST)<\/b><\/h2>\n<h3 style=\"text-align: left;\"><b>1. Imbal Hasil Lebih Tinggi<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Salah satu kelebihan ST adalah memiliki tingkat imbal hasil yang lebih tinggi dari rata-rata tingkat bunga deposito bank BUMN (Badan Usaha Milik Negara).<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Lantas, berapa imbal hasil sukuk tabungan?<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Berdasarkan informasi di situs Djppr.kemenkeu.go.id, pemegang ST akan mendapatkan kupon atau imbalan mengambang dengan batasan minimal <\/span><i><span style=\"font-weight: 400;\">(floating with floor<\/span><\/i><span style=\"font-weight: 400;\">) sebesar 6,40% per tahun dan mengacu pada BI <\/span><i><span style=\"font-weight: 400;\">rate<\/span><\/i><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>2. Dijamin oleh Negara<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Keuntungan berikutnya dari investasi ST, yakni pokok dan imbalan dijamin oleh negara.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Pembayaran imbalan atau kupon dan nilai nominal dijamin oleh negara berdasarkan Undang-Undang SBSN dan Undang-Undang APBN, sehingga ST tidak mempunyai risiko gagal bayar.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>3. Bisa Dicairkan<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Meski tidak dapat diperdagangkan di pasar sekunder, tetapi pemilik instrumen investasi ini dapat menggunakan fasilitas <\/span><i><span style=\"font-weight: 400;\">early redemption<\/span><\/i><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p style=\"text-align: left;\"><i><span style=\"font-weight: 400;\">Early redemption<\/span><\/i><span style=\"font-weight: 400;\"> sukuk tabungan adalah fasilitas yang memungkinkan investor untuk mencairkan sebagian nominal investasi sebelum jatuh tempo tanpa dikenakan biaya pencairan.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>4. Mendapatkan Imbal Hasil Setiap Bulan<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Pemilik ST juga akan mendapatkan keuntungan berupa imbal hasil atau kupon yang dibayarkan setiap bulannya.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>5. Berperan terhadap Pembangunan Negara<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Keuntungan instrumen investasi pasar modal yang lainnya, yakni pemiliknya bisa turut berperan serta mendukung pembiayaan pembangunan nasional.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Sebab, tujuan penerbitan sukuk tabungan yakni digunakan untuk kegiatan investasi berupa pembelian hak manfaat Barang Milik Negara serta pengadaan proyek untuk disewakan kepada pemerintah.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Bahkan, melalui seri ST012T2 dan ST012T4 <\/span><i><span style=\"font-weight: 400;\">(Green Sukuk)<\/span><\/i><span style=\"font-weight: 400;\">, pemerintah akan membiayai proyek ramah lingkungan.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Nah, itulah sekilas penjelasan mengenai ST, karakteristik dan keuntungan memiliki surat berharga negara ini.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Semoga ulasan ini dapat bermanfaat untuk kamu, ya!<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Sebelumnya, ada artikel yang membahas cara beli obligasi negara, bisa menjadi panduan bagi kamu yang ingin berinvestasi di pasar modal.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Jangan lupa baca artikel lainnya bila ingin mendapatkan <\/span><i><span style=\"font-weight: 400;\">insight<\/span><\/i><span style=\"font-weight: 400;\"> mengenai investasi hingga perencanaan keuangan hanya di <\/span><a href=\"https:\/\/skorlife.com\/blog\/\" data-wpel-link=\"internal\"><span style=\"font-weight: 400;\">blog SkorLife<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Bagi kamu yang berencana membeli apartemen baru dengan skema cicilan ke bank, yuk cek dulu skor kreditnya di <\/span><a href=\"https:\/\/skorlife.com\/id\/\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">aplikasi SkorLife <\/span><\/a><span style=\"font-weight: 400;\">yang tersedia di <\/span><i><span style=\"font-weight: 400;\">smartphone<\/span><\/i><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><a href=\"https:\/\/skorlife.go.link\/8IqIg?utm_source=skorlife_blog&amp;utm_medium=banner&amp;utm_campaign=cta_skorlife\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-7558 size-large\" src=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-all-Feature-approved-1024x512.jpg\" alt=\"\" width=\"800\" height=\"400\" srcset=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-all-Feature-approved-1024x512.jpg 1024w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-all-Feature-approved-300x150.jpg 300w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-all-Feature-approved-768x384.jpg 768w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-all-Feature-approved-1536x768.jpg 1536w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-all-Feature-approved-2048x1024.jpg 2048w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yuk, cari tahu apa itu sukuk tabungan (ST), karakteristik dan keuntungannya bila memiliki instrumen investasi di pasar modal ini.<\/p>\n","protected":false},"author":15,"featured_media":4177,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[19],"tags":[49,48],"class_list":["post-4167","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investasi","tag-sukuk","tag-surat-berharga-negara"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Mengenal Sukuk Tabungan (ST)<\/title>\n<meta name=\"description\" content=\"Yuk, cari tahu apa itu sukuk tabungan (ST), karakteristik dan keuntungannya bila memiliki instrumen investasi di pasar modal ini.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/skorlife.com\/blog\/investasi\/mengenal-sukuk-tabungan\/\" \/>\n<meta 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