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What is investment?

Investment is an act of economy conducted to increase the value of the asset one has. Investment can be done through various ways and instruments, both traditional and modern.  Some examples include:
1.    Saving in  Bank to obtain yield in the form of interest.
2.    Buying assets such as property, gold or other commodities with expectation to obtain profit from the increase of price.
3.    Establishing own company or doing business with the expectation to obtain added values from the increase of wealth.
4.    Invest in securities such as stocks or bonds, letter of credit, etc to obtain capital gain, dividend, or interest.

What are Opportunities and Risks of Investments?

Every investment contains both opportunities of return and risks of loss.  Investments with low risk will bring relatively low return, while the higher the opportunity of return is, the higher the risk is.
Investing by saving in a bank is relatively safe but the opportunity is very limited to small interest, while investing in properties brings opportunity to get high increase of property price but also risk of decrease in the price and the difficulties to sell in a short time.  Same thing with investing in securities like shares may bring high capital gain and dividend income but still has the risk of capital loss and no dividend obtained in case the company invested in is operating on loss.

What are Shares?

Shares are proof of company ownership.  Shareholders of a company are its legal owners.  Shares are securities commonly traded at the Stok Market. They are easily traded and have potentials to bring relatively high capital gain in a short time.  However it is important to remember that high return investments usually have high risks therefore fundamental and technical analysis are needed prior to investing and knowledge in diversifying investments is fundamental to bring optimal return with minimum risk.

What is Capital Gain?

Capital Gain is gain obtained from selling shares.  For example: if you buy  PADI shares at Rp400,- per share then sell it at Rp500,- per share,  you obtain Capital Gain of Rp100,- or 25% of the investment done.  On the contrary, if you sell at loss,  you suffer Capital Loss.

What is Dividend?

Dividend is part of earnings per share distributed to shareholders. The amount is decided by  General Meeting of Shareholders.  

Is There any Other Investment Risk in Share Investment?

Other than the risk of Capital Loss or no Capital Gain on share investment, the other risk is when the trading is suspended by the stock exchange authorities or in case the company invested in go bankrupt and be liquidated so its shares are worthless or not sellable.

What is the Stock Exchange?

The Stock Exchange is the institution facilitating all stock trading in Indonesia but do not conduct the trade directly.  Trade can only be conducted by securities companies which has licence as a Securities Brokerage and a clearing member of Indonesia Stock Exchange.  Customers who wish to invest or trade stocks may instruct buy or sell through securities companies.  The Stock Exchange is merely a facilitator providing trading system for securities companies.

What do I do if I want to invest in shares?

It’s easy! Just contact PT. Minna Padi Investama by telephone, email or Company official website.  You will be given the form of Securities Account Opening and Customer’s Fund Account to fill in and do return them with the required supporting documents. Next, you will get confirmation from PT Minna Padi Investama when your Securities Account and Fund Account are ready.  You can then send securities to your Securities Account and or deposit funds to your Customer’s Fund Account.  To be able to buy shares you have to had minimum funds amounting as much as the value of the shares you plan to buy while to be able to sell you have to had shares in your Securities Account as much as the value of shares you plan to sell.

Customer Trading Limit

Customers are able to conduct buying transactions as much as the funds available at their fund account and selling transactions as much as the value of shares available in their securities account. Buying more than the available funds or selling more than the available securities will be rejected automatically by the system.

Regular Customers vs Online Customers
Regular customers are customers who do the stock buying and selling with the assistance of the representatives appointed by Company.  The stock buying and selling can be done by recorded telephone, email, facsimile or by filling out the Buying or Selling Form provided by Company. 
Online Customers are customers who do the stock buying and selling without the assistance of the company’s representatives since they can directly input buy or sell order through internet into the “MASTER Online” (Minnapadi Online Trading System) from their own respective places.


Trading Limit for Customer

Customer can order to buy the share in the equal to the amount of funds available in Customer’s Fund Account (RDN) and order to sell of all Shares in the Customer Securities Account. System will reject the buying order if the available fund is insufficient , as well as the selling order will be rejecter directly by system if the available is insufficient.

Reguler Customer Vs Online Customer

Reguler Customer is a customer who is doing the transaction with

Nasabah Regular adalah nasabah yang dalam melakukan order jual beli saham dibantu oleh Wakil Perantara Perdagangan Efek (WPPE) yang ditunjuk oleh perusahaan.  Order jual beli saham dapat dilakukan dengan menelpon langsung atau mengirimkan email, facsimile, surat atau dengan mengisi Formuli Jual atau Formulir Beli saham yang disiapkan oleh perusahaan.
Nasabah Online adalah nasabah yang melakukan order jual beli saham tanpa dibantu oleh WPPE karena nasabah dapat menginput langsung ke dalam system perdagangan “MASTER Online” (Minnapadi Online Trading System) melalui email dari tempat nasabah masing-masing.

Stock Buying and Selling Process

For  regular customers buying and selling orders are conducted through the Company’s representatives appointed to assist them.  Customers can contact them by telephone, email, facsimile, letter or fill in the Buying or Selling Form and forward it to the appointed representatives.  Buying and selling order must specify stock code, volume, and buying or selling price desired. Next, the order will be put into trading system by the appointed representatives.   When the order is matched (bought or sold) partially or entirely, the representatives will inform Customers about the situation.  The same thing when the order is not matched.
For Online Trading Customers, buying and selling orders can be input directly through internet into our online trading system (MASTER ONLINE). The Customers then  can find out from the system whether their orders matched or not.

Transaction Settlement Process

In case Customers buying or selling orders are matched, Company will send Trade Confirmation on the same day by email or facsimile according to Customers’ request as stated in the Securities Account Opening Form.
Later on T+3 Company will debit Customers’ fund Account as much as the buying amount plus brokerage commission, and credit Customers’ Fund Account as much as the selling amount after deducted with brokerage commission.

Example 1
Buying Shares

Customer buys 1 million PADI shares at Rp 500. Amount to be debited from Customer’s Fund Account:

Total Sell :  Rp 500 x 1,000,000 shares = Rp 500,000,000,-
Commission + Tax :  Rp 500,000,000 x 0,25% = Rp 1,250,000,-
Amount credited to customer’s Fund Account = Rp501.250.000,-

Example 2
Selling Shares

Customer sells  1 million PADI shares at Rp 500.
Amount to be credited to Customer’s Fund Account is:

Total Sell :  Rp 500 x 1,000,000 shares  = Rp 500,000,000,-
Commission + Tax :  Rp 500,000,000 x 0,35% = Rp     1,750,000,-
Amount credited to customer’s Fund Account = Rp 498.250.000,-

On T+3 Company will also transfer the shares bought to the buying customer’s Securities Account and remove the shares sold from the selling customer’s Securities Account.

Withdrawal of Funds & Securities

Customers who have available funds in their Fund Account may withdraw their funds partially or entirely by submitting written request to Company one day in advance. In case the funds is entirely withdrawn the customer is not able to conduct buying transaction since he or she has no more trading limit to buy securities.
Customers who wish to transfer the shares available in their securities account may transfer their shares partially or entirely by submitting written request to Company one day in advance .  In case the shares are entirely transferred out the customer is not able to conduct selling transaction since he has no more shares in his securities account.

Dormant Account

Customers who have no shares in their securities account for 3 months are categorized as dormant customers and their securities account will be closed by Company.


  1. Account opening form can be downloaded and printed in download menu or can be obtained from nearest Minna Padi branch.
  2. Documents and the complete original form can be dropped directly to nearest Minna Padi office or please contact our customer service officer for documents pick up.
  3. New account opening can be processed if we have received signed and completely filled in original form and the documents required for account opening.
  4. To apply Know Your Customer principles, our officer will be in touch with potential customer prior to account opening process.
  5. Account opening process  is done when Customer Securities Account and Customer’s Fund Account (RDN) is opened.


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