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AUD 10,280.00 0.00
CNY 2,201.00 0.00
EUR 16,254.00 0.00
GBP 18,364.00 0.00
HKD 1,961.00 0.00
JPY 134.00 0.01
MYR 3,608.00
SAR 3,957.00 0.00
SGD 10,581.00 0.00
USD 14,205.00 0.00
Currency Purchasing Price Selling Price
  • AUD 10,068.00 10,280.00
  • CNY 1,978.00 2,201.00
  • EUR 15,988.00 16,254.00
  • GBP 17,963.00 18,364.00
  • HKD 1,642.00 1,961.00
  • JPY 127.00 134.00
  • MYR 3,267.00 3,608.00
  • SAR 3,577.00 3,957.00
  • SGD 10,269.00 10,581.00
  • USD 14,055.00 14,205.00

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

Kredit UMKM  provide Micro Business Loans for those who need Investment Credits (IC) and/or Working Capital Credit (WCC) to develop micro-scale productivity


Adequate financing with limit up to 5M

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.

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


Collateral Documents Requirement


The elegibility and results from the financed object, as well as termin payment of project


Additional collateral such as a fixed asset and movable goods

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