Kredit UMKM

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USD 15,100.00 0.00

JPY 116.00 0.01

GBP 18,398.00 0.00

AUD 10,455.00 0.01

HKD 2,074.00 0.00

SGD 10,921.00 0.00

EUR 15,804.00 0.00

MYR 3,570.00 0.00

SAR 4,224.00 0.00

CNY 2,357.00 0.00

USD 14,850.00 15,100.00
JPY 104.00 116.00
GBP 17,892.00 18,398.00
AUD 10,180.00 10,455.00
HKD 1,743.00 2,074.00
SGD 10,538.00 10,921.00
EUR 15,446.00 15,804.00
MYR 3,210.00 3,570.00
SAR 3,757.00 4,224.00
CNY 2,119.00 2,357.00

For your convenience self-managed banking transactions

Best Solution for Micro, Small, Medium Entrepreuners

No need to worry on your productivity financing, business become easy with Kredit UMKM for an ease of micro businesses and home business

Kredit UMKM

Working capital or investment loans provided by banks to debtors engaged in business fields which according to their scale have the status of micro, small and medium enterprises (MSMEs) to finance productive businesses, which the source of the funds comes from the Bank.

Financing up to 5 billion

Quick and easy process

Easy credit requirements

Flexible loan withdrawal

Competitive interest rate

Adjusted period agreement between Bank and Customer

Interest Rate

Adjustable interest rate

Costs may change due to bank’s condition.

Features and Cost

	FEATURES
1	Product Name	Kredit UMKM
2	Product Type	Earning Credit
3	Currency	Rupiah
4	Credit Ceiling	up to 5 billion
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

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 Document	Individual	Business Entity
Attach Applicant and sposeidentifications such as National ID (KTP), Family Card (KK) and Marriage Contract (for those married)	v	v
Deed of establishment and Deed of Last Amendment		v
Certificate of Income Submitted by the Local Village	v
Tax ID	v	v
Business Permit	v	v
Legality of Business Place	v	v
Business Financial Records	v	v
Financial Statements	v	v
Savings/Giro accounts that showing business transactions	v	v
Details of Allotment Credit	v	v
Collateral Credit	v	v

*terms and Conditions Apply

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

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