Close
USD 14,473.00 0.00
JPY 132.00
GBP 19,878.00 0.00
AUD 10,469.00 0.01
HKD 2,009.00 0.00
SGD 10,830.00 0.00
EUR 16,552.00 0.00
MYR 3,606.00 0.00
SAR 4,057.00 0.00
CNY 2,377.00 0.00
Currency Purchasing Price Selling Price
  • USD 14,173.00 14,473.00
  • JPY 119.00 132.00
  • GBP 19,267.00 19,878.00
  • AUD 10,150.00 10,469.00
  • HKD 1,670.00 2,009.00
  • SGD 10,401.00 10,830.00
  • EUR 16,115.00 16,552.00
  • MYR 3,232.00 3,606.00
  • SAR 3,577.00 4,057.00
  • CNY 2,129.00 2,377.00
BTN Contact Us

Kredit UMKM Modal Kerja Konstruksi, Building Development Solutions

For you developer, No need to fear your building development is hampered. With Kredit UMKM Modal Kerja Konstruksi now building your project with much easier


Kredit UMKM Modal Kerja Konstruksi

We are here to provide a capital working loan for construction sector, developer, in order to build constraction for sale


Adequate financing loan limit s.d. IDR 5 Billion

The process is quick and easy

Low credit requirement

Maximum credit that can be given 80%

Timed according to project scale and projection of return

Withdrawal (withdrawal) of credit based on the project or work being done

Adjustable interest rate

Costs may change due to bank’s condition.

Terms and Condition
  • 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 Document

Individual

Business entity

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

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v

Deed of establishment and Deed of Last Amendment


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Certificate of income submitted by the local village

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Tax ID

v

v

Business Permit

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v

Legality of Business Place

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v

Business Financial records

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v

Financial Statements

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Savings/Giro accounts that showing business transactions

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v

Details of Allotment of Credit

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Collateral Credit

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v

*terms and Conditions apply


Collateral Documents Requirement
  • 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 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


How to Register
  • Apply for Kredit UMKM  Modal Kerja Konstruksi 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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