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 Kontraktor to Provides an Easy Way of to Earned Capital Fund

Achieve your success with Kredit Modal Kerja Kontraktor that aimed to support your business growth to gain additional capital with many conveniences

Kredit Modal Kerja Kontraktor

Kredit Modal Kerja Kontraktor aimed to fulfill your working capital needs in order to finish the project in accordance with signed in contract, with an effective interest rate on the daily debit balance, also quick and easy process of submission and disbursement

Effective calculation of the daily debit balance

Financing needs based on work contract

Credit disbursement based on cash flow/project achievement

Effective interest rate calculation on the daily debit balance



In accordance with Bank’s terms

Administration 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 60% 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 problem loans

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
      • Letter of Work Appointment/Letter of Winning Bidder
      • Letter of Employment Contract Agreement
      • Project Time Schedule 
      • Other legality that related to project
    • 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


  • Collateral Document Requirements
    • Payment Receivables from Bouwheer
How To Register
  • Debitor submits a request to the nearest Branch Office Bank BTN
  • 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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