USD 14,473.00 0.00
JPY 132.00
GBP 19,878.00 0.00
AUD 10,469.00 0.01
HKD 2,009.00 0.00
SGD 10,830.00 0.00
EUR 16,552.00 0.00
MYR 3,606.00 0.00
SAR 4,057.00 0.00
CNY 2,377.00 0.00
Currency Purchasing Price Selling Price
  • USD 14,173.00 14,473.00
  • JPY 119.00 132.00
  • GBP 19,267.00 19,878.00
  • AUD 10,150.00 10,469.00
  • HKD 1,670.00 2,009.00
  • SGD 10,401.00 10,830.00
  • EUR 16,115.00 16,552.00
  • MYR 3,232.00 3,606.00
  • SAR 3,577.00 4,057.00
  • CNY 2,129.00 2,377.00
BTN Contact Us

Kredit UMKM Program Kemitraan Increase Your Business Independence

Kredit UMKM Program Kemitraan is a solutions to people who want to start or improve their business/newly developed in order to continue expand its wings


Kredit Program Pendanaan UMK

Kredit Program Pendanaan UMK is a financing loan that provided by Bank BTN as a financing solution to improve the small businesses that haven’t meet with Bank’s criteria

The process is Quick and Easy

Light credit requirement

Light credit requirement

Light interest rates

Maximum credit is up to IDR 200 Million

Maximum time of period is 5 years

  • Notary fees with applicable provisions

This information may change without any prior notification, for more details please contact us


  • Having a net worth of at most IDR 500.000.000 (five hundred million rupiah) excluding land and building of business premises, or Having annual sales of at most IDR  2.500.000.000 (two billion five hundred million rupiah)
  • Not a subsidiary or branch of a company owned
  • Has been in business activities for at least 6 Months
  • Not meet the banking requirement (non bankable)
  • Indonesian citizens
  • Individual business, a non-legal entity, or a legal entity including micro-enterprises and cooperatives
  • Potential business prospects to be developed
  • Not being a targeted partner of other BUMN
Collateral Documents Requirement
  • Eligibility and results of operations of objects funded by Partnership Program funds
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

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