USD 15,135.00 0.00
JPY 117.00 0.01
GBP 18,206.00 0.01
AUD 10,354.00 0.01
HKD 2,079.00 0.00
SGD 10,877.00 0.00
EUR 15,579.00 0.01
MYR 3,572.00 0.00
SAR 4,232.00 0.00
CNY 2,355.00 0.00
Currency Purchasing Price Selling Price
  • USD 14,885.00 15,135.00
  • JPY 106.00 117.00
  • GBP 17,705.00 18,206.00
  • AUD 10,082.00 10,354.00
  • HKD 1,747.00 2,079.00
  • SGD 10,492.00 10,877.00
  • EUR 15,228.00 15,579.00
  • MYR 3,212.00 3,572.00
  • SAR 3,765.00 4,232.00
  • CNY 2,118.00 2,355.00
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

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

  • Adjustable interest rate


Costs may change due to bank’s condition.

Features and Cost
1 Product Name Kredit UMKM Linkage Program
2 Product Type Earning Credit
Credit Ceiling
up to 5 billion
5 Term
According to product terms
Administration Fee
0.25% or a minimum of IDR 250 thousand
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

Details of credit allocation

Credit collateral

*) Terms and Conditions apply
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