Indonesian investment platform Ajaib is launching a tiered bonus program to incentivize investment in mutual funds offered by Henan Asset Management,beginning November 28,2025.The promotion-offering bonuses ranging from Rp10,000 to Rp1,500,000 in HPAM Ajaib Money Market units-is structured to reward investors based on the size of their investment, with larger contributions earning proportionally higher rewards. The program underscores Ajaib’s strategy to broaden access to investment opportunities and grow its asset under management.
Ajaib Launches Tiered Bonus Program for Henan Asset Management Fund Purchases
PT Takjub Teknologi Indonesia, operating under the Ajaib brand, is offering bonus units of HPAM Ajaib Money Market to customers who purchase mutual funds provided by Henan Asset Management between November 28 and December 12, 2025. The program, designed to incentivize investment in Henan funds, features a tiered structure based on investment amount.
- This offer is valid for all users of PT Takjub Teknologi Indonesia.
- Ajaib users who successfully purchase Reksa Dana provided by Henan are eligible to receive a bonus in the form of HPAM Ajaib Money Market units, according to the following criteria:
| Tier | Minimal Investment | Bonus Value | Quota |
| 1* | Rp200,000 | Rp10,000 | 200 |
| 2 | Rp750,000 | Rp25,000 | 100 |
| 3 | Rp2,500,000 | Rp50,000 | 80 |
| 4 | Rp10,000,000 | Rp200,000 | 20 |
| 5 | Rp150,000,000 | Rp1,500,000 | 15 |
The tiered system rewards larger investments with proportionally larger bonuses. Tier 1, available to first-time Ajaib investors in Henan funds, requires a minimum investment of Rp200,000 (approximately $13 USD) for a Rp10,000 (approximately $6.50 USD) bonus. The highest tier, Tier 5, requires an investment of Rp150,000,000 (approximately $9,700 USD) and offers a bonus of Rp1,500,000 (approximately $97 USD). This structure aims to attract a wider range of investors and boost assets under management.
- Tier determination is based on the first transaction made during the program period. If a user makes multiple qualifying transactions, only the first transaction meeting the minimum investment requirement will be used to determine their tier. For example:
- Example: User A purchases HPAM Tactical Equity for Rp40,000,000 (forty million rupiah) on November 29, 2025. Then, on December 5, User A purchases HPAM Ultima Ekuitas for Rp115,000,000 (one hundred fifteen million rupiah). Ajaib will categorize User A in Tier 4.
- Example: User B makes their first mutual fund purchase in HPAM Ekuitas Syariah Berkah for Rp750,000 (seven hundred fifty thousand rupiah) on December 2, 2025. Then, on December 8, User B purchases HPAM Ultima Money Market for Rp2,500,000 (two million five hundred thousand rupiah). Ajaib will categorize User B in Tier 2.
- Users must maintain ownership of the Henan Asset Management fund units used to qualify for the program until December 31, 2025.
- If ownership of the units changes before December 31, 2025, the transaction will be disqualified.
- Bonus units will be credited to eligible investors within 14 business days after the end of the evaluation period.
- The program period runs from November 28 to December 12, 2025.
Terms & Conditions
The following terms and conditions govern the program offering bonus units in the form of Reksa Dana to Users (hereinafter referred to as “Program”) organized by PT Takjub Teknologi Indonesia (“Ajaib”) and will be awarded to Users in accordance with the provisions of these terms and conditions (hereinafter referred to as “Program Terms and Conditions”).
These Program Terms and Conditions are an integral part of the Ajaib Application Terms of Use, Mutual Fund Service Terms, and Ajaib Privacy Policy available and accessible through the Ajaib website and/or Application, as amended and/or enforced from time to time.
A. Program Mechanism
- The Program is valid from November 28 – December 12, 2025 ( “Program Period”).
- This applies to all Users of PT Takjub Teknologi Indonesia whose accounts have been registered through the Ajaib Application.
- To participate in the Program, Users must purchase products of Reksa Dana provided by Henan Asset Management with the following provisions (“Qualifying Transactions”):
| Tier | Minimal Investment | Bonus Value | Quota |
| 1* | Rp200,000 | Rp10,000 | 200 |
| 2* | Rp750,000 | Rp25,000 | 100 |
| 3* | Rp2,500,000 | Rp50,000 | 80 |
| 4 | Rp10,000,000 | Rp200,000 | 20 |
| 5 | Rp150,000,000 | Rp1,500,000 | 15 |
- Tier determination is based on the first Qualifying Transaction made by the User during the Program Period. If a User makes more than one Qualifying Transaction during the Program Period, Ajaib will only use the first Qualifying Transaction that meets the Qualifying Transaction requirements to determine the Program participation tier. As an illustration:
- Example: User A purchases HPAM Tactical Equity for Rp40,000,000 (forty million rupiah) on November 29, 2025. Then, on December 5, User A purchases HPAM Ultima Ekuitas for Rp115,000,000 (one hundred fifteen million rupiah). Ajaib will categorize User A in Tier 4.
- Example: User B makes their first mutual fund purchase in HPAM Ekuitas Syariah Berkah for Rp750,000 (seven hundred fifty thousand rupiah) on December 2, 2025. Then, on December 8, User B purchases HPAM Ultima Money Market for Rp2,500,000 (two million five hundred thousand rupiah). Ajaib will categorize User B in Tier 2.
- Users must maintain ownership of the Henan Asset Management product Reksa Dana units used to participate in this program from December 13 to December 31, 2025 (“Evaluation Period”).
- If there is a change in ownership of the units during the Evaluation Period (e.g., the units are no longer recorded in the User’s portfolio), the transaction will be considered ineligible for the Program and the User will not be entitled to a bonus.
- For Qualifying Transactions, Users have the opportunity to receive a bonus in the form of HPAM Ajaib Money Market units for lucky and selected Users (“Winners”).
- The Winner announcement will be sent via official correspondence from Ajaib no later than 14 (fourteen) business days after the Program Period ends.
- The bonus will be awarded within a maximum of 14 (fourteen) business days from the date the Winner is announced by Ajaib or at another time determined by Ajaib.
B. General Provisions
- The decision to determine and all decisions or policies related to awarding Reksa Dana Indeks unit bonuses are solely the absolute and unquestionable right of Ajaib.
- Users can participate in this Program as long as the quota is available. Ajaib has the full right to set and increase the number of available quotas during the Program Period.
- Each User is only entitled to receive a bonus once during the Program Period.
- If there is evidence of abuse or fraud that could harm Ajaib or other parties, Ajaib has the right to reject or disqualify the Investor’s participation in this program or other programs held by Ajaib in the future without prior notice or further explanation to the User.
- This Program does not apply to employees, affiliates, or other related parties with Ajaib.
- This Program is not an investment recommendation. Please invest according to your respective risk profile.
- Investment through mutual funds involves risk. Investors must read and understand the prospectus before investing. Past performance does not guarantee future performance.
- Ajaib is not responsible and does not provide guarantees for any losses that may arise from the Investor’s participation in this Program. All forms of participation by Users in this Program are solely the personal responsibility and decision of the User.
- Ajaib may review and change these terms and conditions at its sole discretion from time to time to ensure, among other things and not limited to, that these terms and conditions are in line with future developments and/or changes in legal or regulatory requirements, which can be viewed on the official Ajaib website. Users agree that Users are responsible for reviewing these terms and conditions regularly to be aware of the latest changes to these terms and conditions. By participating in this program, even after changes to these terms and conditions, it will be deemed as the Participant’s approval of these terms and conditions and any changes thereto.
- PT Takjub Teknologi Indonesia is licensed and supervised by the Financial Services Authority.
Disclaimer:
The official Ajaib domain is “https://ajaib.co.id/” and all official correspondence or email correspondence sent by us will use the official Ajaib application platform and/or email address ending in “@ajaib.co.id”, such as “[email protected]” (“Official Ajaib Media”). Apart from through Official Ajaib Media, we never ask for personal and confidential information such as, personal data, passwords or PINs (personal identification number), and/or OTP (one-time password) codes via email, social media or other media and forms of communication. Never disclose your Confidential Information to others, including parties claiming to be Ajaib. All disclosure of Confidential Information to parties claiming to be Ajaib but not originating from or using Official Ajaib Media is the personal responsibility of the owner of the Confidential Information and we are not responsible for any misuse of Confidential Information by parties claiming to be Ajaib that do not originate from or use Official Ajaib Media.
PT Takjub Teknologi Indonesia is licensed and supervised by the Financial Services Authority.
