Kredit UMKM Linkage Program

Trusted Credit Disbursement for MSMEs

Easy credit solution for Micro, Small, and Medium Enterprises

Kredit UMKM Linkage Program

Kredit UMKM Linkage Program is financing credit provided by the Bank to the Linkage Institution (BPR Bank or Cooperative) to be loaned to Micro, Small, and Medium Enterprises that have productive businesses and meet the MSME criteria.

Larger Financing

Business capital financing up to IDR 5,000,000,000

Quick Process

Enjoy quick credit application process

Easy Requirements

Easier credit application with light requirements

Executing Pattern

Credit distribution through BPR and cooperatives

Flexible Application

Maximum application IDR 5,000,000,000 for Linkage Institutions

Productive Business Priority

Intended for end user with productive businesses

Larger Financing

Business capital financing up to IDR 5,000,000,000

Quick Process

Enjoy quick credit application process

Easy Requirements

Easier credit application with light requirements

Executing Pattern

Credit distribution through BPR and cooperatives

Flexible Application

Maximum application IDR 5,000,000,000 for Linkage Institutions

Productive Business Priority

Intended for end user with productive businesses

Features and Fees

Features	Description
Product Name	Kredit UMKM Linkage Program
Product Type	Earning Credit
Currency	Rupiah
Credit Ceiling	up to IDR 5,000,000,000
Term	According to product terms
Administration Fee	0.25% or a minimum of IDR 250,000
Provision Fee	0,75% – 1%

Terms & Conditions

The applicant is BPR Bank or Cooperative
Productive business in the category of Micro, Small, and Medium Enterprises (MSMEs)
MSMEs including their managers do not have problem loans with the Bank or with other Banks
Have a valid business license
The business is self-owned and has been running for at least 1 (one) year
The majority of owners or management have experience in the company to be financed for at least 1 (one) year
The business has earned a net income in the last 1 (one) year
For individual applicant:
1)Indonesian citizen (WNI) with a minimum age of 21 (twenty one) years old/has/has been married;
2) Maximum age by the time the credit is settled is 65 (sixty five) years old;
For business entity applicant:
1) Indonesian legal entity with a minimum age of official members is 21 (twenty one) years old or married;

How to Register

1

Visit the BTN Branch Office

Prospective debtors can apply to the nearest BTN Branch Office/CBC (Commercial Banking Center)
2

Prepare Documents

Customers can bring the necessary documents when registering for credit
3

Visit the Relationship Management Officer

Customers can receive further information related to BTN credit from the Relationship Management Officer
4

Fill Out the Form

Customers fill out the form provided and submit the required documents
5

Follow the Procedure

Customers can follow the procedures directed by the Relationship Management Officer

Find Answers to Your Questions

What is Kredit UMKM Linkage Program?

MSME loans channeled through Linkage Institutions such as Rural Banks (BPRs), Cooperatives, or other Financial Institutions that are lent to MSME businesses to develop their business.