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About BTN
Investor Relation PPID Career
Pembiayaan Komersial BTN iB dengan Mekanisme IMBT

Own Assets with Flexible Payments

Providing funds to procure and fulfill your business needs

Pembiayaan IMBT BTN iB

Financing facility for the procurement of Capital Goods or Refinancing Customer Assets with a lease-purchase principle between the IMBT object owner (Bank/Lessor) and the lessee (Customer/Lessee), with the option of transferring ownership of the IMBT object from the Bank to the Customer through a gift or sale-purchase.

Cost Management

IMBT financing security guarantee which is recognized as Opex

Refinancing Concept

Enjoy a source of cash in by using the refinancing concept

Competitive Ujroh

Get attractive and competitive final grades for you

The process is easy

Enjoy the convenience of a fast and easy financing process

Cost Management

IMBT financing security guarantee which is recognized as Opex

Refinancing Concept

Enjoy a source of cash in by using the refinancing concept

Competitive Ujroh

Get attractive and competitive final grades for you

The process is easy

Enjoy the convenience of a fast and easy financing process



Terms & Conditions

  • Customers of Business Entities and Legal Entities (excluding Foundations)

  • Maximum term of 15 years

  • Financing can be disbursed all at once or as needed

  • The asset you wish to purchase or refinance must be in a ready condition

  • Minimum 3 years of experience managing a similar business

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

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

    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 Answers to Your Questions

What is IMBT BTN iB Financing?
BTN iB IMBT financing is a program for providing funds or bills for the procurement of goods or refinancing customer assets with a rental principle between the IMBT owner and the lessee and ending with the option of transferring ownership through a grant.
How do I take part in the IMBT BTN iB Financing program?
Applications for IMBT BTN iB 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.
Who can take part in the IMBT BTN iB Financing program?
IMBT BTN iB financing is only intended for applicants in the form of Legal Entities.

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