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

Kredit UMKM Modal Kerja Konstruksi, Building Development Solutions

For you developer, No need to fear your building development is hampered. With Kredit UMKM Modal Kerja Konstruksi now building your project with much easier

Kredit UMKM Modal Kerja Konstruksi

MSME Credit Construction Working Capital is here as a working capital solution for those of you who are engaged in the construction business sector, developers/developers, in financing the development of buildings (residential houses, shop houses, office houses, kiosks). and so on along with the facilities and infrastructure) for sale

Financing up to 5 billion

The process is quick and easy

Low credit requirement

Maximum credit that can be given 80%

Timed according to project scale and projection of return

Withdrawal (withdrawal) of credit based on the project or work being done

Adjustable interest rate

Costs may change due to bank’s condition.

Features and Cost
1 Product Name Kredit UMKM Modal Kerja Konstruksi
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 Condition
  • 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 incorporation up to last amendment deed


A certificate of income submitted by the local sub-district

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

Project Legality (IMB, Location Permit, Certificate etc)

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  Modal Kerja Konstruksi 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