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Kredit UMKM Program Kemitraan Increase Your Business Independence
Program Credit to increase the ability of small businesses to become resilient and independent
item id
70e152fc-ef38-493b-925d-65e760106a84
Kredit Program Pendanaan Usaha Mikro & Kecil (UMK)
Program Credit to improve the ability of small businesses to become strong and independent
Financing up to 250 million
Maximum period of 3 (three) years
Easy credit requirements
A maximum additional loan of IDR 100 million with a total cumulative limit of IDR 250 million
Light interest rate
Fast and easy credit process
Information on Kredit Pendanaan Usaha Mikro & Kecil (UMK)
- 0% Provision Fee
- Administrative Services 6% effective per year
Costs may change due to bank’s condition.
Features and Cost
| FEATURES | ||
| 1 | Product Name | Micro & Small (UMK) |
| 2 | Product Type | Earning Credit |
| 3 |
Currency |
Rupiah |
| 4 |
Credit Ceiling |
up to 250 Million |
| 5 | Term |
According to product terms |
| 6 |
Administration Fee |
0 Rupiah |
| 7 |
Provision Fee | 0 Rupiah |
*) Terms and conditions apply
Terms and Conditions
- Standing alone, not a subsidiary or branch of a company owned, controlled or affiliated either directly or indirectly with a medium or large business
- Have been doing business for at least 6 months
- Does not meet banking requirements (non-bankable)
- Owned by Indonesian citizen
- In the form of an individual business entity, a business entity that is not a legal entity, or a business entity with a legal entity including micro-enterprises and cooperatives
- Has potential and business prospects to develop
- Not currently being a foster partner of another SOE construction company
Document Completeness
1. UMK Funding Application Letter
2. Identity Card (KTP)
3. Business Activity Plans and Proposals containing the following data:
- Business name and address
- Name and address of business unit owner/manager
- Proof of identity of owner/manager
- Field of business
- Business license or business certificate from the authorities
- Bank account
- Business plan and funding requirements
- Statement letter that has never been and/or is not currently a micro and small business under the guidance of another company/BUMN.
How to Register
- Apply for kredit UMKM 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
