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USD 14,818.00 0.00
JPY 117.00 0.01
GBP 18,074.00 0.01
AUD 10,607.00 0.00
HKD 2,041.00 0.00
SGD 10,902.00 0.00
EUR 15,247.00 0.01
MYR 3,482.00 0.00
SAR 4,147.00 0.00
CNY 2,295.00 0.00
Currency Purchasing Price Selling Price
  • USD 14,568.00 14,818.00
  • JPY 105.00 117.00
  • GBP 17,567.00 18,074.00
  • AUD 10,321.00 10,607.00
  • HKD 1,709.00 2,041.00
  • SGD 10,518.00 10,902.00
  • EUR 14,896.00 15,247.00
  • MYR 3,123.00 3,482.00
  • SAR 3,678.00 4,147.00
  • CNY 2,058.00 2,295.00
BTN Contact Us

Best Solution for Micro, Small, Medium Entrepreuners

No need to worry on your productivity financing, business become easy with Kredit UMKM for an ease of micro businesses and home business


Kredit UMKM

Working capital or investment loans provided by banks to debtors engaged in business fields which according to their scale have the status of micro, small and medium enterprises (MSMEs) to finance productive businesses, which the source of the funds comes from the Bank.

Financing up to 5 billion

Quick and easy process

Easy credit requirements

Flexible loan withdrawal

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Competitive interest rate

Adjusted period agreement between Bank and Customer

Adjustable interest rate

Costs may change due to bank’s condition.

Features and Cost
   FEATURES  
1 Product Name Kredit UMKM
2 Product Type Earning Credit
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Currency
Rupiah
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Credit Ceiling
up to 5 billion
5 Term
According to product terms
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Administration Fee
0.25% or a minimum of IDR 250 thousand
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Provision Fee 0.75% – 1%

  *) Terms and Conditions apply

Terms and Conditions
  • The business should be operating for a minimum of 1 years in the location with the same field
  •  A valid trading license
  • Don’t have a problematics loans with BTN Bank or with other banks
  • Min 1 year experienced owner
  • has obtained net income in the last 1 (one) year
  • Individual Applicant: Minimum age of 21 years or already married
  • Maximum age of 60 years by the time the credit is settled.
  • Business entity applicant: Indonesian law based with official member minimum age of  21 years or already married

Document Completeness

Applicant Document

Individual

Business Entity


Attach Applicant and sposeidentifications such as National ID (KTP), Family Card (KK) and Marriage Contract (for those married)

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Deed of establishment and Deed of Last Amendment


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Certificate of Income Submitted by the Local Village

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Tax ID

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Business Permit

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Legality of Business Place

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Business Financial Records

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Financial Statements

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Savings/Giro accounts that showing business transactions

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Details of Allotment Credit

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Collateral Credit

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*terms and Conditions Apply


How to Register
  • Apply for kredit UMKM to the nearest Bank BTN
  • Submit and prepared files
  • Files that have been received will be processed and verified by Bank BTN
  • After passing and approved then the applicant will do the credit agreement
  • Credit Disbursement