BOJONEGORO, JurnalPost.com — For approximately 15 years, Leni Setia has chosen to rely on the services of PT Bank Rakyat Indonesia (Persero) Tbk, or BRI, to meet her banking needs. The resident of Bojonegoro Regency, East Java, even shared that her family maintains around 10 BRI accounts for various purposes.
This total number of accounts does not belong to Leni alone but is distributed among her family members. The types of savings accounts used are diverse, ranging from BRI Junio and BritAma to Simpedes.
According to Leni, maintaining multiple accounts is part of their strategy to manage family finances. Each account serves a specific purpose tailored to the needs of individual family members, whether for saving money, handling daily transactions, or preparing for future expenses.
This experience illustrates how banking services are utilized in household financial management. For Leni, the ease of accessing accounts and performing transactions is a key reason for her continued loyalty to BRI services.
One Family, Approximately 10 BRI Accounts
Leni shared that she has been a BRI customer for about a decade and a half. Over that period, the use of banking services within her family has become increasingly varied.
Currently, she notes that there are around 10 BRI accounts held by her family members. These accounts do not all utilize the same savings products.
Some use BRI Junio, while others opt for BritAma and Simpedes depending on their specific requirements.
"I have been a BRI customer for about 15 years. In fact, our family has around 10 accounts. We have BRI Junio, BritAma, and Simpedes. Each is used according to our needs," Leni explained.
She explained that every family member has different financial needs. Therefore, the choice of savings account does not always have to be the same product.
In managing family finances, separating accounts helps distinguish funds used for routine expenses from savings set aside for specific goals.
However, having a large number of accounts does not automatically indicate better financial health. Users must still pay attention to balances, administrative fees, and the purpose of each account to ensure effective financial management.
The experience of Leni’s family shows that the choice of banking products can be tailored to individual needs rather than being based solely on the number of accounts held.
Getting to Know BRI Junio, BritAma, and Simpedes
The three savings products used by Leni’s family have distinct characteristics.
BRI Junio is a savings product designed for children. This product is an excellent option for parents who want to introduce the habit of saving to their children from an early age.
Meanwhile, BritAma is a BRI savings product that provides comprehensive banking transaction facilities for individual customers.
Simpedes is a savings option that the public can use to store funds and meet daily transaction needs.
The differing characteristics of these products allow customers to choose accounts based on their needs, age, and desired facilities.
For families with multiple members who have different financial needs, selecting the right account can be an integral part of household financial planning.
However, the decision to open an account must still consider the terms and conditions of each product, including opening requirements, initial deposits, and service fees.
In the case of Leni’s family, these three types of savings have been used as part of their family banking activities for many years.
BRImo Simplifies Transactions Without Visiting the Bank
In addition to using various savings products, Leni also utilizes the BRImo mobile banking application.
According to her, the development of digital services provides significant convenience, especially when she needs to perform transactions amidst her daily activities.
Previously, many banking needs required customers to visit a bank branch or use an ATM. Now, many transactions can be completed via a mobile phone.
BRImo provides a range of facilities, including balance checks, account transaction history, fund transfers, and various payment services.
Leni admitted that the application helps her conduct transactions more practically.
"BRImo is also convenient because I don't always have to go to the bank to make transactions. I can do it through my phone, which is much more practical," she explained.
This convenience is one of the reasons she continues to use BRI services.
For families with multiple accounts, access to balance information and transaction history helps monitor the financial activity of each account accessible to the owner.
Nevertheless, the use of mobile banking must also be accompanied by attention to digital security. Customers must maintain the confidentiality of their PINs, passwords, and OTP codes to prevent unauthorized access to their accounts.
Family Financial Management Is More Than Just Saving
Leni’s experience also shows that the use of banking services is closely linked to habits in managing family finances.
Having a savings account is one step in financial management. However, the benefits are more pronounced when accompanied by expenditure planning, the habit of setting aside income, and evaluating household needs.
Separating funds for daily needs, children's education, and long-term plans can help families track their spending more effectively.
On the other hand, the ease of digital transactions allows customers to make payments or transfers without having to interrupt their primary activities.
These developments have changed how people interact with banking services. Accounts are no longer just places to store money but have become tools for conducting various transactions.
For Leni, the experience of being a BRI customer for 15 years provides insight into how banking services have evolved over time, especially with the increasingly widespread use of digital applications.
Although her family has around 10 accounts, Leni emphasizes that the use of each product is tailored to the needs of the family members.
The story of Leni Setia’s family in Bojonegoro serves as an example of how the public utilizes a combination of conventional savings and digital services to support daily financial activities.
Amidst the growing variety of banking product options, the ability to determine the type of account that suits one's needs while maintaining transaction security remains a crucial part of family financial management.
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