Kredit UMKM

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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

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

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

Kredit UMKM provide Micro Business Loans for those who need Investment Credits (IC) and/or Working Capital Credit (WCC) to develop micro-scale productivity

Adequate financing with limit up to 5M

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.

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

Collateral Documents Requirement

The elegibility and results from the financed object, as well as termin payment of project

Additional collateral such as a fixed asset and movable goods

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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