Kredit UMKM Linkage Program

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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

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

For your convenience self-managed banking transactions

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).	v
Deed of establishment and Deed of Last Amendment	v
Tax ID	v
Business Permit	v
Legality of business place	v
Business financial records	v
Financial statements	v
Savings / giro accounts that showing business transactions	v
Details of allotment of credit	v
Collateral credit	v

*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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