Close
USD 14,475.00 0.00
JPY 136.00 0.01
GBP 19,580.00 0.00
AUD 10,511.00 0.00
HKD 2,009.00
SGD 10,747.00 0.00
EUR 16,803.00 0.00
MYR 3,609.00 0.00
SAR 4,059.00
CNY 2,346.00 0.00
Currency Purchasing Price Selling Price
  • USD 14,175.00 14,475.00
  • JPY 123.00 136.00
  • GBP 18,980.00 19,580.00
  • AUD 10,191.00 10,511.00
  • HKD 1,670.00 2,009.00
  • SGD 10,325.00 10,747.00
  • EUR 16,362.00 16,803.00
  • MYR 3,235.00 3,609.00
  • SAR 3,579.00 4,059.00
  • CNY 2,098.00 2,346.00
Home Currency Location E-Banking

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

tes

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)

v

v

Deed of establishment and Deed of Last Amendment

v


Certificate of Income Submitted by the Local Village

v

Tax ID

v

v

Business Permit

v

v

Legality of Business Place

v

v

Business Financial Records

v

v

Financial Statements

v

v

Savings/Giro accounts that showing business transactions

v

v

Details of Allotment Credit

v

v

Collateral Credit

v

v

*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

Find Your Needs

Simulasi Pinjaman
Tools to help your calculations in financial planning.
Deposito Lembaga
BTN Deposit for profitable investment.
Giro BTN
BTN Giro for the ease of every transaction.

Recommended Article

7/30/2021 5:00:00 PM

BTN Loans Grow Above Industry

Semester I/2021, BTN Credit Grows Above Industry
JAKARTA-Although still under pandemic pressure, PT Bank Tabungan Negara (Persero) Tbk (BTN) continues to record positive growth in lending and financing at the level of 5.59% yoy supported by the growth rate of subsidized mortgages.
7/10/2021 5:00:00 PM

BTN Optimizes Digital Banking Facilities fot Facilitating Banking Service Needs during Emergency PPKM

PT Bank Tabungan Negara (Persero) Tbk (BTN) optimizes digital banking services, such as mobile banking, internet banking and ATMs.
2/25/2020 5:00:00 PM

BTN Beyond the Target, Acquires New Credit at 4,5 Trillion IDR in the 20th IPEX

The Indonesia Property Expo event is an event for PT Bank Tabungan Negara (Persero) Tbk to boost the distribution of housing loans or mortgages in early 2020.

12/19/2019 5:00:00 PM

Application for KPR Submission, relaunching KPR for Millennials

Bank BTN launched a special application for KPR submission, relaunching KPR Gaeesss for millennials, and providing various funding products targeting young people. The channeling of Gaeesss KPR has exceeded Rp9.3 trillion.
11/18/2017 5:00:00 PM

BANK BTN DISBURSEMENT MORE THAN IDR 155 TRILLION TO SUPPORT A MILLION HOUSE PROGRAM

Since the program a million houses was rolled out in the year 2015, Bank BTN has distributed financing for 1,44 million housing units. In the economic dynamics within 3 years, Bank Tabungan Negara (Persero)