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 Ringan (KRING) BTN

Light installment credit for company employee/institution without collateral, just by applying the SK employees

Cash to IDR 500.000.000

Fixed and competitive interest rate

Without collateral

Flexible time of period up to 15 years

Life insurance coverage

More light installment if using BTN Payroll Facility

  • Fixed interest rates over time credit.

Costs may change due to bank’s condition.

Terms and conditions
  • Indonesia Citizenship aged 21 or married.
  • Employment status of at least 1 (one) year for civil servants, BUMN / BUMD, TNI and POLRI or 2 (two) years for private employees.
  • Having income that according to the Bank able to guarantee continuity of installment payment until the credit is paid off.
  • Guarantee Document in the form of Original Decision Letter as Permanent Employee.
  • Have a job and fixed income.
  • When credit is paid off, applicant’s age does not exceed retirement age in accordance with work place terms.
  • Make the Cooperation Agreement of Kring BTN with the Instituion / applicant institution.
  • Tax ID.
Individual Documents Requirement
  • Individual Documents Requirement 
    • Fill out the Credit Application Form
    • Copy of Identity Card of the Applicant (and spouse if married)
    • The latest photograph of the applicant (and spouse if married)
    • Copy of Family Card
    • Copy of Marriage Letter/Divorce (if married / divorced)
    • Copy of savings account of last 3 (three) months
    • Copy of NPWP/Annual SPT
    • Original Certificate of permanent appointment of civil servant as PNS/TNI/POLRI/BUMN/BUMD/Private or in accordance with the applicable provisions in each institution/company
    • Letter of Recommendation from the applicant institution for credit application
    • Power of Attorney for Salary Reduction (SKPG)
    • Latest Salary Slip or Income Certificate that has been authorized


  • Guarantees Document Requirements
    • Original Decision of Permanent Employee Appointment
How to Register
  • Make a cooperation agreement between Institution and Bank BTN
  • The Debtor submits the Credit Application Form and document completeness
  • Institution are applying credit to Bank BTN
  • Bank BTN analyze the credit application
  • Credit realization

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