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AUD 10,191.00 0.00
CNY 2,222.00 0.00
EUR 16,164.00 0.00
GBP 18,896.00 0.00
HKD 1,964.00 0.00
JPY 135.00 0.01
MYR 3,653.00 0.00
SAR 3,997.00 0.00
SGD 10,655.00 0.00
USD 14,238.00 0.00
Currency Purchasing Price Selling Price
  • AUD 9,982.00 10,191.00
  • CNY 1,999.00 2,222.00
  • EUR 15,901.00 16,164.00
  • GBP 18,491.00 18,896.00
  • HKD 1,645.00 1,964.00
  • JPY 123.00 135.00
  • MYR 3,313.00 3,653.00
  • SAR 3,556.00 3,997.00
  • SGD 10,342.00 10,655.00
  • USD 14,088.00 14,238.00

Working Capital Contractor Loan Provides an Ease Way of to Earned Capital Fund

Expand your business now is easy, with Kredit UMKM Modal Kerja make your transaction profitable


Kredit UMKM Modal Kerja

Kredit UMKM Modal Kerja provides working capital loan facility for constraction, trading, industry or services. Kredit UMKM Modal Kerja can be used for procurement goods, production process, selling and distribution


Quick and Easy process

Easy credit requirements

Flexible loan withdrawal

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 R!ecords

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Financial Statements

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Savings/Giro accounts that showing business transactions

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Details of allotment of 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

 

 

Service Fee
  • Provision 1%
  • Administration fee 0.25%

How to Register
  • Apply for Kredit UMKM Modal Kerja 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