Close
USD 14,875.00 0.00
JPY 117.00 0.01
GBP 18,222.00 0.01
AUD 10,605.00 0.00
HKD 2,048.00 0.00
SGD 10,954.00 0.00
EUR 15,377.00 0.00
MYR 3,498.00 0.00
SAR 4,160.00 0.00
CNY 2,305.00 0.01
Currency Purchasing Price Selling Price
  • USD 14,625.00 14,875.00
  • JPY 105.00 117.00
  • GBP 17,712.00 18,222.00
  • AUD 10,319.00 10,605.00
  • HKD 1,716.00 2,048.00
  • SGD 10,568.00 10,954.00
  • EUR 15,024.00 15,377.00
  • MYR 3,138.00 3,498.00
  • SAR 3,693.00 4,160.00
  • CNY 2,068.00 2,305.00
BTN Contact Us

Kredit Modal Kerja Kontraktor to provides an Easy way of to Earned Capital fund

Achieve your success with Kredit Modal Kerja Kontraktor that aimed to support your business growth to gain additional capital with many conveniences

Kredit Modal Kerja Kontraktor

MSME Contractor Working Capital Credit is a credit facility provided to finance the procurement of goods/services based on a Work Contract or Work Order (SPK)

Financing s.d. 5 billion

Fast and easy process

Light credit terms

Financing needs based on the employment contract

Competitive interest rates

Credit disbursement based on cash flow/project achievement

Information on MSME Loan Products for Contractor Working Capital

  • Interest rate adjustable according to terms and conditions
  • Interest KMK Working Capital Promo Bank HIMBARA 9% *) Terms and conditions apply

Costs may change due to bank’s condition.

Features and Cost
   FEATURES  
1 Product Name Kredit UMKM Modal Kerja Pemilikan Lahan
2 Product Type Earning Credit
3
Currency
Rupiah
4
Credit Ceiling
up to 5 billion with KMK Construction
5 Term
According to product terms
6
Administration Fee
0.25% or a minimum of IDR 250 thousand
7
Provision Fee 0.75% – 1%

 *) Terms and conditions apply

Terms and Conditions
  • Nature of credit is revolving and revolving
  •  Maximum credit 60% based on SPK value
  • Applicant’s requirement
    • A legal entity or a non-legal entity
    • Minimum 1 year experience in the related field
    • Have a good performance, do not have problem loans
 

Document Completeness
  • Personal Documents
    • Applicant Legality
      • Deed of Establishment/Articles of Association (for cooperatives) along with Deed of Amendment
      • Attestation from relevant Ministry
      • Business Legality: TDP, TIN, SIUP, HO, SIUJK, SKDP , SITE
    • Business/Project Legality
      • Job Appointment Letter / Auction Winner Letter
      • Job Contracting Agreement  
      • Project Time Schedule
      • Other Legalities according to Business/Project
    • Financial Data
      • Financial Statements for at least 2 years 
      • Project RAB  
      • Cash Flow Projection 
      • Collateral Valuation Report
  • Warranty Document Requirements
    • Payments Receivable from Bouwheer
How To Register
  • Submit an application for MSME Credit to the nearest Bank BTN Branch Office in your city
  • Submit predefined and prepared files
  • Received files will be processed and verified by Bank BTN
  • After passing the verification process and being approved, the applicant will enter into a credit agreement
  • Credit disbursement is possible