Kredit UMKM Modal Kerja

Maximize Working Capital for Seamless Business

Expand MSME business with more profitable business financing

Kredit UMKM Modal Kerja

Kredit UMKM Modal Kerja is a working capital solution within the scale of Micro, Small, and Medium Enterprises (MSME) and can be used for business financing ranging from procurement of goods, production processes, sales and distribution, and other financing.

Large Financing

Business capital financing up to IDR 5,000,000,000

Quick Process

Enjoy quick credit application process

Easy Requirements

Easier credit application with light requirements

Flexible Withdrawal

Credit withdrawal is more convenient and flexible

Competitive Interest Rate

Enjoy attractive and competitive interest rate with other banks

Flexible Term

Adjusted with the agreement of the Bank and the prospective customer's business

Large Financing

Business capital financing up to IDR 5,000,000,000

Quick Process

Enjoy quick credit application process

Easy Requirements

Easier credit application with light requirements

Flexible Withdrawal

Credit withdrawal is more convenient and flexible

Competitive Interest Rate

Enjoy attractive and competitive interest rate with other banks

Flexible Term

Adjusted with the agreement of the Bank and the prospective customer's business

Kredit UMKM Modal Kerja

Working capital credit provided as a business financing solution ranging from construction, trade, industry, or services business within the scale of Micro, Small, and Medium Enterprises (MSME).

Terms & Conditions

Have a valid business license
Do not have problem loans with BTN or with other banks
The majority of owners or management have experience in the company to be financed for at least 1 (one) year
The business has earned a net income in the last 1 (one) year
For individual applicant:
1. Indonesian citizen (WNI) with a minimum age of 21 (twenty one) years old/has/has been married
2. Maximum age by the time the credit is settled is 65 (sixty five) years old
For business entity applicant:
1. Indonesian legal entity with a minimum age of official members is 21 (twenty one) years old or married

Kredit UMKM Modal Kerja Konstruksi

Working capital credit granted to the construction business sector and developers in financing the building development (residential houses, shop houses, office houses, kiosks, etc.) for sale.

Terms & Conditions

Have productive business in the category of Micro, Small, and Medium Enterprises (MSME) and have been running for at least 1 (one) year
Have a valid business license
Do not have problem loans with BTN or with other banks
The majority of owners or management have experience in the company to be financed for at least 1 (one) year
The business has earned a net income in the last 1 (one) year
For individual applicant:
1. Indonesian citizen (WNI) with a minimum age of 21 (twenty one) years old/has/has been married
2. Maximum age by the time the credit is settled is 65 (sixty five) years old
For business entity applicant:
1. Indonesian legal entity with a minimum age of official members is 21 (twenty one) years old or married

Kredit UMKM Modal Kerja Pemilikan Lahan

Land ownership credit as a business expansion solution to build subsidized houses using the facility of Kredit Konstruksi BTN.

Terms & Conditions

Have productive business in the category of Micro, Small, and Medium Enterprises (MSME) and have been running for at least 2 years
Have a valid business license
Do not have problem loans with BTN or with other banks
Complete business legality, project legality, and business financial data
The business has earned a net income in the last 1 year
Mandatory allotment for simple housing
The applicant's Land Ownership Credit must be in the form of a Legal Entity
For Business Entity applicants (business entity applicant):
1. Indonesian legal entity with a minimum age of 21 (twenty one) years old or married"

Kredit UMKM Modal Kerja Kontraktor

Working capital credit provided to finance the procurement of goods/services based on a Work Contract or Work Order (SPK).

Terms & Conditions

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

Kredit UMKM Modal Kerja Pola Kemitraan

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

Terms & Conditions

Have productive business in the category of Micro, Small, and Medium Enterprises (MSME) and have been running for at least 1 (one) year
Have a valid business license
Do not have problem loans with BTN or with other banks
The majority of owners or management have experience in the company to be financed for at least 1 (one) year
The business has earned a net income in the last 1 (one) year
For individual applicant:
1. Indonesian citizen (WNI) with a minimum age of 21 (twenty one) years old/has/has been married
2. Maximum age by the time the credit is settled is 65 (sixty five) years old
For business entity applicant:
1. Indonesian legal entity with a minimum age of official members is 21 (twenty one) years old or married

Kredit UMKM Modal Kerja Renovasi

Working capital credit given to developer to help with working capital for renewal (renovation) and cost of certificate management for housing units ex. Non-performing loan collateral that has been purchased in cash and paid off.

Terms & Conditions

Prospective debtors dhi developers are not affiliated with developers in housing projects whose units are former collateral for non-performing loans and have been purchased by prospective debtors
House units financed for renovation are in one location and/or multiple housing project sites
IMB (Building Permit) has been issued
The main collateral for the housing unit being the object to be financed is the land and the building that stands on it
Additional Collateral in the form of fixed assets, movable objects, and deposits