USD 15,070.00 0.00
JPY 117.00 0.02
GBP 18,330.00 0.00
AUD 10,308.00 0.01
HKD 2,070.00
SGD 10,890.00 0.00
EUR 15,768.00 0.00
MYR 3,569.00
SAR 4,216.00 0.00
CNY 2,350.00
Currency Purchasing Price Selling Price
  • USD 14,820.00 15,070.00
  • JPY 105.00 117.00
  • GBP 17,822.00 18,330.00
  • AUD 10,036.00 10,308.00
  • HKD 1,739.00 2,070.00
  • SGD 10,511.00 10,890.00
  • EUR 15,413.00 15,768.00
  • MYR 3,208.00 3,569.00
  • SAR 3,749.00 4,216.00
  • CNY 2,113.00 2,350.00
BTN Contact Us

Kredit UMKM Program Kemitraan Increase Your Business Independence

Program Credit to increase the ability of small businesses to become resilient and independent

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
1 Product Name Micro & Small (UMK)
2 Product Type Earning Credit
Credit Ceiling
up to 250 Million
5 Term
According to product terms
Administration Fee
0 Rupiah
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