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 Modal Kerja to Provides an Easiness of Working Capital Financing

Expand your business by increasing stock or cashflow with Kredit Modal Kerja (KMK ) intended to support the turnover your business capital , and alsowe support your daily business transactional activities and also help to increase your profit

Kredit Modal Kerja

Kredit Modal Kerja aimed for business sector such as industrial, trading and services or related with procurement also with production process until the goods are sold. With an effective interest rate on the daily debit balance, Also quick and easy process of submission and disbursement

Aplofend disbursement (installment) where payment can be made by installment

To assist companies that require working capital Financing

Competitive Interest Rate

  • Effective interest rate calculation on the daily debit balance


In accordance with Bank’s terms

Adinistration fee

In accordance with Bank’s terms

Costs may change due to bank’s condition.

Terms and Conditions
  • Nature of credit is revolving and revolving
  • Maximum credit 80% based on SPK value
  • Applicant’s requirement
    • A legal entity or a non-legal entity
    • Minimum 1 year experience in the related field
    • Have a good performance, do not have loans problem
    • Has been a BTN customer for at least 3 months
Document Completeness
  • Individual documents completeness
    • Applicant Legality
      • Deed of Establishment/Change
      • Ministry Of Justice (MOJ) Ratification Deed
      • Business legality: TDP,NPWP,SIUP, HO, SIUJK, SKDP, SITU
    • Business / Project Legality
      • Financial Report at least 2 years
      • For Credit> 10 M or total credit facility> 15 M (cash loan or non cash loan) ➝ shall be audited
      • RAB Project
      • Cash Flow Projection
      • Collateral Appraisal Report
How To Register
  • Debtor submits a request to the nearest Branch Office Bank BTN 
  • Prepared the documents 
  • Visit the Relationship Management Officer section for more details
  • Fill out the form and submit all documents 
  • Follow all the procedures

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