USD 15,000.00 0.01
JPY 108.00 0.01
GBP 18,660.00 0.00
AUD 9,911.00 0.01
HKD 1,964.00 0.01
SGD 11,111.00 0.00
EUR 16,058.00 0.01
MYR 3,329.00 0.00
SAR 4,099.00 0.01
CNY 2,114.00 0.01
Currency Purchasing Price Selling Price
  • USD 14,800.00 15,000.00
  • JPY 106.00 108.00
  • GBP 18,405.00 18,660.00
  • AUD 9,775.00 9,911.00
  • HKD 1,838.00 1,964.00
  • SGD 10,959.00 11,111.00
  • EUR 15,837.00 16,058.00
  • MYR 3,181.00 3,329.00
  • SAR 3,846.00 4,099.00
  • CNY 2,086.00 2,114.00
BTN Contact Us

Kredit UMKM Modal Kerja Pola Kemitraan, For Your Business Operations Continuity

With KUMKM Modal Kerja Pola Kemitraan, Contractor can have easiness in financing for the purchase of goods and or services

Kredit UMKM Modal Kerja Pola Kemitraan

Working capital credit facility provided to suppliers, buyers/distributors or sub-contractors to finance the procurement of goods and/or services or development based on a work contract or Work Order (SPK) for a state-owned company, Non BUMN or Prime Developer

Financing s.d. 5 billion

Fast and easy process

Light credit terms

Credit withdrawals based on recommendations from BUMN/prime developers according to project achievements

Competitive interest rates

Adjustable interest rate


Costs may change due to bank’s condition.

Features and Cost
1 Product Name Kredit UMKM Modal Kerja Pola Kemitraan
2 Product Type Earning Credit
Credit Ceiling
up to 5 billion with KMK Construction
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 apply

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
  • Termijn payment of the project or work being financed and receivable for payment/work from project provider
  • Additional Collateral in the form of Corporate Guarantee from Bouwheer
  • Are Business Partners with the Company that is Bouwheer
  • Buwheer's recommended business partners
  • Experience >1 year as a Business Partner of Bouwheer

How to Register
  •  Apply for Kredit UMKM Modal Kerja Pola Kemitraan 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