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Pembiayaan Modal Kerja BTN iB

Fulfill Working Capital Needs to the Maximum

Ease of financing working capital to develop a sustainable business

Pembiayaan Modal Kerja BTN iB

Pembiayaan Modal Kerja BTN iB is a sharia financing facility with a Mudharabah or Musyarakah agreement, which is a cooperation agreement that follows Islamic principles to finance working capital needs (operational expenditure).

High Financing Maximum

Get financing with a maximum value of up to 80%

Your Business Solution

Solutions for all needs in developing business

Your Business Partner

The best partners fulfill your needs for the smooth running of your business

Disbursement According to Cashflow

Disbursement of financing according to cash flow projections between customers

Attractive Collateral

The main collateral is in the form of financing for goods or supplies from the bank

Tenor 3 Years

Easy financing with a term of up to 3 years

High Financing Maximum

Get financing with a maximum value of up to 80%

Your Business Solution

Solutions for all needs in developing business

Your Business Partner

The best partners fulfill your needs for the smooth running of your business

Disbursement According to Cashflow

Disbursement of financing according to cash flow projections between customers

Attractive Collateral

The main collateral is in the form of financing for goods or supplies from the bank

Tenor 3 Years

Easy financing with a term of up to 3 years



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 of 3 years

  • The financing provided is equal to the value of the business needs

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

    The applicant confirms the purchase price of an item.

  • 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 Working Capital Financing?
BTN iB Working Capital Financing is a solution for financing customers' working capital needs (operational expenditure) in running a business using a cooperation agreement (mudharabah or musyarakah).
How much is the service fee for the BTN iB Working Capital Financing program?
The fees charged for applying for BTN iB Working Capital Financing consist of administration fees which amount to less than 1% of the financing ceiling.
How do I take part in the BTN iB Working Capital Financing program?
Applications for BTN iB Working Capital 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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