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About BTN
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Pembiayaan Tunai Emas BTN iB

Fast, Safe, and Blessed Funds

Fulfill the need for funds with gold collateral and a safe process

Pembiayaan Tunai Emas BTN iB

Pembiayaan Tunai Emas BTN is a solution to the need for funds for emergency needs by pawning the gold owned with a fast and safe process using the "Qardh" (Pawn) contract accompanied by a pawn letter as a Marhun submission to guarantee the return of all or part of the customer's debt to the bank (Murtahin).

Various Purposes

Can be used to meet various needs

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Insurance Coverage

Enjoy security with loss protection insurance

Security Guarantee

A hassle-free process with guaranteed security

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High Financing Maximum

Get financing with a high value of up to IDR 250,000,000

Competitive Ujroh

Enjoy an interesting and competitive ujroh

Tenor 4 Months

Term up to 4 months and can be extended 2 times

Various Purposes

Can be used to meet various needs

icon-limit

Insurance Coverage

Enjoy security with loss protection insurance

Security Guarantee

A hassle-free process with guaranteed security

icon-kompetitif

High Financing Maximum

Get financing with a high value of up to IDR 250,000,000

Competitive Ujroh

Enjoy an interesting and competitive ujroh

Tenor 4 Months

Term up to 4 months and can be extended 2 times



Financing Value

Gold Content Maximum Financing
24 90%
20-23 85%
19-18 80%
17-16 80%

Terms And Conditions

  • Indonesian Citizens (WNI)

  • Minimum age 18 years or married

How to Register

  • 1
    Prepare Complete Documents

    The applicant prepares the application file as well as personal documents and guarantees
  • 2
    Process and Verify Files

    Application files and documents will be processed and verified by BTN Syariah

  • 3
    Gold Valuation Process

    The bank assesses the applicant's gold which will be used as collateral

  • 4
    Financing Agreement

    The applicant and the Bank enter into a sale and purchase agreement at the agreed purchase price of an item

  • 5
    Application Disbursement Process

    If the financing agreement has been executed, BTN Syariah will disburse the financing application

Find Answers To Your Questions

What is BTN iB Gold Cash Financing?

BTN iB Gold Cash Financing is a solution to funding needs by pawning gold with a fast and safe process and using a "Qardh" (Pawn) contract which is accompanied by a pawn letter as a delivery of Marhun for guaranteed return to the bank (Murtahin).

What is the maximum financing that can be applied for?

The maximum value of BTN iB Gold Cash Financing that can be provided is 90% of the gold price according to SHEB.

What types of gold can be pawned with BTN iB Gold Cash Financing?

The types of gold that can be pawned with BTN iB Gold Cash Financing are bullion and gold jewelry.

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