Small and Medium Enterprises

Credit

Small and Medium Enterprises

Credit facilities for MSME entrepreneurs who need financing to develop their businesses. Credit facilities that can be provided include:

  • Working Capital Loans to finance raw material inventories or trade receivables that are not yet collected.
  • Investment Credit to finance factory construction, purchase of production machinery, or other investment needs.

Terms of Credit Facilities

  • Types of Small and Medium Enterprises Credit Products include:
    1. KMK - PRK.
    2. KMK - Demand Loan.
    3. KMK - Installments.
  • The amount of credit limit starts from IDR 100,000,000 up to IDR 5,000,000,000.
  • The term of the KMK PRK / DL facility is 1 year or 1-5 years for the KMK-Installment facility, while the KI facility can be for a period of 1-10 years.
  • Bank financing is a maximum of 80% of the financing needs.
  • Competitive interest rates in accordance with developments in the financial markets.
  • IDEB SLIK examination results are passed.
  • Guarantees include:
    1. Land/Building (Fixed Asset).
    2. Deposits (Cash Collateral).
    3. Other guarantees that can be received by the Bank.
  • Documents that must be completed include:
    1. Photocopy of Company Deed.
    2. Photocopy of NPWP.
    3. Photocopy of business permit and other supporting documents required by the Bank.
    4. Audited financial statements for companies with total assets or total revenues of more than 50 billion.
  • The business went well at least in the last 2 years.
  • Have an adequate operating profit and net profit.