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About BTN
Investor Relation PPID Career
BTN iB Investation Financing

Support smoother, more optimal investment

Ease of running productive businesses for business and investment activities

Pembiayaan Investasi BTN iB

Pembiayaan Investasi BTN iB is a Shariah-compliant financing facility that applies Murabahah, Musyarakah, or Istishna contracts for the purchase of investment goods (Capital Expenditure) as well as Asset Refinancing.

Long Term

Long tenor based on the economic life of the asset or a maximum of 15 years

Up to 70% Financing

Get investment financing of up to 70%, specifically for purchasing houses, shophouses and shophouses, maximum financing of 80% with a Murabahah agreement

Disbursement According to Cashflow

Disbursement of financing according to cash flow projections between customers

Competitive Ratio

Determination of revenue sharing ratio on competitive financing

Easy Payment System

Disbursement of financing according to cash flow projections between customers

Collateral

Collateral is an object financed by investment financing

Long Term

Long tenor based on the economic life of the asset or a maximum of 15 years

Up to 70% Financing

Get investment financing of up to 70%, specifically for purchasing houses, shophouses and shophouses, maximum financing of 80% with a Murabahah agreement

Disbursement According to Cashflow

Disbursement of financing according to cash flow projections between customers

Competitive Ratio

Determination of revenue sharing ratio on competitive financing

Easy Payment System

Disbursement of financing according to cash flow projections between customers

Collateral

Collateral is an object financed by investment financing



Terms & Conditions

  • Applicants can be legal entities and non-legal entities

  • Minimum 3 years of experience managing a similar business

  • Customer payments come from revenue sharing and margins from business activities that are being financed in accordance with the Bank's agreement with the customer

  • Maximum term is 15 years.

  • The financing provided is 70% of the value of investment requirements (except for motor vehicles, a maximum of 65%).
    Specially for purchasing houses, shophouses and shophouses
    80% financing with Murabahah agreement

How to Register

  • 1
    Prepare Complete Documents

    The applicant prepares the required application documents completely.

  • 2
    Process and Verify Files

    The application files will be processed by BTN Syariah bank, including BI Checking, Data Verification and Analysis.

  • 3
    Prepare Sufficient Funds

    Prepare sufficient savings or current account funds at BTN Syariah
    If the application is approved, the applicant prepares sufficient funds in BTN iB Savings or BTN iB Giro.

  • 4
    Financing Agreement

    Make an agreement with the Bank regarding, among other things, Financing Objects, profit sharing, etc.

  • 5
    Application Disbursement Process

    If the financing agreement has been approved, BTN Syariah will disburse the applicant's application.

Find Your Anwers to Your Questions

What is BTN iB Investment Financing?
BTN iB Investment Financing is a solution for purchasing investment goods (capital expenditure) using "Murabahah", "Musyarakah", or "Istishna" contracts for purchasing investment goods (Capital Expenditure) or Refinancing Assets that are already owned.
What are the requirements for the BTN iB Investment Financing program?
The following are the requirements for the BTN iB Investment Financing program:
- Applicants can be legal entities, non-legal entities and individuals
- Minimum 3 years experience managing a similar business
- Complete the required documents, namely Deed of Establishment, SIUP, TDP, NPWP, IMB, and business financial reports for the last 2 years
Who can take part in the BTN iB Investment Financing program?
Applications for BTN iB Investment Financing must be made through the nearest BTN Syariah Branch Office by submitting an application letter accompanied by the legality of the applicant, the legality of the collateral and financial reports.

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