USD 14,468.00 0.00
JPY 133.00 0.01
GBP 19,721.00 0.00
AUD 10,443.00 0.00
HKD 2,008.00 0.00
SGD 10,862.00 0.00
EUR 16,450.00 0.00
MYR 3,609.00
SAR 4,057.00 0.00
CNY 2,384.00 0.00
Currency Purchasing Price Selling Price
  • USD 14,168.00 14,468.00
  • JPY 120.00 133.00
  • GBP 19,113.00 19,721.00
  • AUD 10,127.00 10,443.00
  • HKD 1,669.00 2,008.00
  • SGD 10,443.00 10,862.00
  • EUR 16,012.00 16,450.00
  • MYR 3,234.00 3,609.00
  • SAR 3,577.00 4,057.00
  • CNY 2,137.00 2,384.00
BTN Contact Us

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

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

Quick and easy process

Simple credit requirement

Executing distribution pattern

Maximum financing loan limit s.d. IDR 5 Billion

Time of period Maximum 5 years

For Linkage Institution a maximum of IDR 5 Billion and for end user depends on Institution Linkage

  • Adjustable interest rate


Costs may change due to bank’s condition.

  • 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 document

Business entity

Attach applicant and sposeidentifications such as National ID (KTP), Family Card (KK) and Marriage Contract (for those married).


Deed of establishment and Deed of Last Amendment


Tax ID


Business Permit


Legality of business place


Business financial records


Financial statements


Savings / giro accounts that showing business transactions


Details of allotment of credit


Collateral credit


*tTerms and Conditions apply

  • The elegibility and results from the financed object
  • Additional collateral such as a fixed asset and movable goods
How to Register
  • 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

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