USD 15,100.00 0.00
JPY 116.00 0.01
GBP 18,398.00 0.00
AUD 10,455.00 0.01
HKD 2,074.00 0.00
SGD 10,921.00 0.00
EUR 15,804.00 0.00
MYR 3,570.00 0.00
SAR 4,224.00 0.00
CNY 2,357.00 0.00
Currency Purchasing Price Selling Price
  • USD 14,850.00 15,100.00
  • JPY 104.00 116.00
  • GBP 17,892.00 18,398.00
  • AUD 10,180.00 10,455.00
  • HKD 1,743.00 2,074.00
  • SGD 10,538.00 10,921.00
  • EUR 15,446.00 15,804.00
  • MYR 3,210.00 3,570.00
  • SAR 3,757.00 4,224.00
  • CNY 2,119.00 2,357.00
BTN Contact Us

Working Capital Contractor Loan Provides an Ease Way of to Earned Capital Fund

Expand your business now is easy, with Kredit UMKM Modal Kerja make your transaction profitable

Kredit UMKM Modal Kerja

Kredit UMKM Modal Kerja provides working capital loan facility for constraction, trading, industry or services. Kredit UMKM Modal Kerja can be used for procurement goods, production process, selling and distribution

Financing up to 5 billion

Quick and Easy process

Light credit terms

Flexible loan withdrawal

Competitive interest rate

Adjusted period agreement between bank and customer

  • Adjustable interest rate according to applicable regulations

  • The Interest Rate for Working Capital KMK Promo Bank HIMBARA 9%
*) Terms and conditions apply 

Costs may change due to bank’s condition.

Features and Cost
1 Product Name Kredit UMKM Modal Kerja
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%


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 Documents


Business Entities

KTP of the applicant's husband/wife, Family Card, and Marriage/Divorce Certificate

Deed of establishment of the company up to last amendment deed


Affidavit of income submitted by the local village


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 Modal Kerja 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