What is Sijil Simpanan Premium (SSP or Premium Saving Certificate if translated in English)? SSP is a kind of saving offered by Bank Simpanan Nasional that is managed according to the Mudharabah contract (Islamic Law) with a Profit Sharing Ratio. The selling point is that all SSP holders are eligible for monthly draws to win prizes while retaining your saving. For more detail, you can go to Bank Simpanan Nasional (BSN) website.

Sijil Simpanan Premium

So why am I mentioning SSP in this post? It is because I own RM 800 worth of SSP myself, which are equivalent to 80 units of SSP. The more units you have, the higher the chance for you to win prizes (like a BMW, what do you think?). RM 700 out of the RM 800 worth of SSP were given free by the Yayasan Sarawak as gifts for good academic performance in PMR (RM 200 given in 2002) and SPM (RM 500 given in 2004). The remaining RM 100 worth of SSP was bought with cash.

After holding the saving certificates for so many years, I received a letter from BSN announcing that I won a Samsung Galaxy Trend phone.

Sijil Simpanan Premium Draw

The number won was from the oldest certificate dated in 2002. After 12 years, it still generates “profits”.

I just returned the form and attached photocopy of my IC and photocopy of the certificate to the sender and hopefully I will get the phone soon. Probably will sell it for a profit.

Here is a photo of the phone googled from the web:

Samsung Galaxy Trend