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About BTN
Investor Relation PPID Career

Kredit UMKM Investasi

Excellent Solution for Long-Term Investment

Realize your business plan with trusted investment capital financing

Kredit UMKM Investasi

Investment credit to finance long-term needs in the form of investment in the purchase of capital goods or development, expansion, renewal (renovation) of productive fixed assets, and associated costs or financing.

Larger 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

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Withdrawal according to Project Achievements

Withdrawal based on cashflow, aflopend, and project achievements

Routine Report

Competitive Interest Rate

Enjoy attractive and competitive interest rate with other banks

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Flexible Term

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

Larger 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

icon-deposit

Withdrawal according to Project Achievements

Withdrawal based on cashflow, aflopend, and project achievements

Routine Report

Competitive Interest Rate

Enjoy attractive and competitive interest rate with other banks

icon-waktu

Flexible Term

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

Features and Fees

Features and Fees

Features Description
Product Name Kredit UMKM Investasi
Product Type Earning Credit
Currency Rupiah
Credit Ceiling up to IDR 5,000,000,000
Term According to product terms
Administration Fee 0.25% or a minimum of IDR 250,000
Provision Fee 0,75% – 1%


Using a KPR from BTN will definitely be more profitable

Variable rates up to

5,00%

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

  • 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 : 1Indonesian legal entity with a minimum age of official members is 21 (twenty one) years old or married.;

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Get More Info

How to Register

  • 1

    Visit the BTN Branch Office

    Prospective debtors can apply to the nearest BTN Branch Office/CBC (Commercial Banking Center)

  • 2

    Prepare Documents

    Customers can bring the necessary documents when registering for credit

  • 3

    Visit the Relationship Management Officer

    Customers can receive further information related to BTN credit from the Relationship Management Officer

  • 4

    Fill Out the Form

    Customers fill out the form provided and submit the required documents

  • 5

    Follow the Procedure

    Customers can follow the procedures directed by the Relationship Management Officer

Find Answers to Your Questions

What is Kredit UMKM Investment?

Investment loans for financing long-term needs in the form of investment in the purchase of capital goods or development intended for UMKM

Is there a maximum limit for credit that can be applied for?

Yes, the maximum credit limit is IDR 5,000,000,000.

How long is the credit period?

The credit period is a maximum of 5 years for KUMK Investasi with a ceiling of up to IDR 500,000,000 and a maximum of 10 years for KUMK Investasi with a ceiling of above IDR 500,000,000 up to IDR 5,000,000,000.

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BTN is licensed and supervised by the Financial Services Authority (OJK) & Bank Indonesia and is a member of the Deposit Insurance Corporation (LPS) guarantee.
The maximum deposit value guaranteed by LPS per customer per bank is IDR 2 billion.
To find out the Guaranteed Interest Rate, please access here.