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

Your Patner in Business Development Solutions

Financing Solutions to grow your business in filling funding needs to run productive businesses based on sharia principles

Pembiayaan Modal Kerja BTN iB

iB BTN Working Capital Financing present to provide solutions for customers to finance the needs of customers (operational expenditure) in running a business by using a cooperation contract (mudharabah or musyarakah)

The payment system is done according to the cash flow that has been agreed by the customer

Time period Maximum 15 years

Financing provided 70% of the value of investment requirement, especially for the purchase of motor vehicles maximum financing of 65%

Determination of the ratio (profit sharing) on ​​competitive financing

Financing disbursement as per cash flow projection between the Bank and the Customer while taking into account the physical achievements of the investment

The principal collateral in the form of investment goods financed by the Bank

Service Fee
  • Administration (adm table fee entry)
  • Notary Agreement with a notary
Terms and Conditions
  • Applicant may take the form of Legal Entity, Non Legal Entity and Individual
  • Minimum 2 years experience managing similar business
Document Requirements


Complete Business Legality

Deed of Establishment

Deed of Establishment, SIUP, TDP, NPWP and special business license

Complete project legality

Land Rights Certificate, Site Plan, IMB, and other equipment

Certificate of land rights

The financial statements of the past 2 years

How to Register
  • Prepare the complete document
  • The application file will be processed by Bank BTN Syariah, including BI Checking, Data Verification, and Analysis
  • If the application is approved, the Applicant prepares the sufficiency of the funds in BTN Saving
  • Carry out a financing contract
  • Begin the process of disbursement request