Kredit UMKM Linkage Program

The applicant is BPR Bank or Cooperative

Productive business in the category of Micro, Small, and Medium Enterprises (MSMEs)

MSMEs including their managers do not have problem loans with the Bank or with other Banks

Have a valid business license

The business is self-owned and has been running for at least 1 (one) year

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;