USD 15,000.00 0.01
JPY 108.00 0.01
GBP 18,660.00 0.00
AUD 9,911.00 0.01
HKD 1,964.00 0.01
SGD 11,111.00 0.00
EUR 16,058.00 0.01
MYR 3,329.00 0.00
SAR 4,099.00 0.01
CNY 2,114.00 0.01
Currency Purchasing Price Selling Price
  • USD 14,800.00 15,000.00
  • JPY 106.00 108.00
  • GBP 18,405.00 18,660.00
  • AUD 9,775.00 9,911.00
  • HKD 1,838.00 1,964.00
  • SGD 10,959.00 11,111.00
  • EUR 15,837.00 16,058.00
  • MYR 3,181.00 3,329.00
  • SAR 3,846.00 4,099.00
  • CNY 2,086.00 2,114.00
BTN Contact Us

Kredit UMKM Investasi is a Right Choice to Expand Your Long Term investment

Kredit UMKM Investasi is the right solution for your long-term business financial planning

Kredit UMKM Investasi

Long term financing for investment in the purchase of capital goods or development, expansion, renewal (renovation) of productive fixed assets and associated costs or financing.

Financing up to 5 billion

The process is quick and easy

Light credit requirement

Credit withdrawal procedures can be carried out based on cashflow, aflopend (all at once), and according to project achievements

Competitive interest rate

The time period is in accordance with the agreement with the Bank and adjusted to the business characteristics of the prospective customer

  •     Adjustable interest rate

Costs may change due to bank’s condition.

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


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 Documents


Business Entities

KTP of the applicant's husband/wife, Family Card, and Marriage/Divorce Certificate

Deed of establishment of the company up to last amendment deed


Affidavit of income submitted by the local village


NPWP (Taxpayer Identification Number)

Business Licensing: SIUP, SIUJK, TDP, SITU or Business Information from Kelurahan/Kecamatan or Market Service if the business is in the market

Legality of place of business (IMB, proof of land rights/certificate, lease agreement

Business financial records

Financial statements

Savings/giro account showing business transactions

Details of credit allocation

Credit collateral

*) Terms and Conditions apply
How to Register
  • Apply for Kredit UMKM Investasi 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