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Kredit UMKM Linkage Program to Connect Small and Medium Micro Enterprises
Kredit UMKM Linkage is a credit solution provided by the Bank to the Linkage Institution to support micro, small and medium enterprises
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Kredit UMKM Linkage Program
Kredit KUMKM Linkage is a credit financing provided by the bank to the Linkage Institution (BPR Bank or Cooperative) to be loaned to the micro, small, medium business who have productive businesses and meet the criteria UMKM
Financing up to 5 billion
Quick and easy process
Simple credit requirement
Executing distribution pattern
For Linkage Institutions a maximum of IDR 5 billion and for end users it depends on the Linkage Institution
Mandatory end user designation for productive businesses
| FEATURES | ||
| 1 | Product Name | Kredit UMKM Linkage Program |
| 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% |
- The applicant is a BPR Bank or a Cooperative
- 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
|
Applicant Documents |
Business Entities |
|
KTP of the applicant and husband/wife, (KK) Family Card and Marriage/Divorce Certificate |
√ |
|
Deed of Establishment of the Company up to Last Amendment Deed |
√ |
|
NPWP (Taxpayer Identification Number) |
√ |
|
Business Licensing: SIUP, SIUJK, TDP, SITU or Business Information from Kelurahan/Kecamatan or Market Service if the business is in the market |
√ |
|
Legality of place of business (IMB, proof of land rights/certificate, lease agreement |
√ |
|
Business financial records |
√ |
|
Financial statements |
√ |
|
Savings/giro account showing business transactions |
√ |
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Details of credit allocation |
√ |
|
Credit collateral |
√ |
- 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
