Micro Loans

Take advantage of the opportunity to continue to work and realize your plans for the future through the Bank Mantap Pension Credit. We provide credit facilities with competitive interest, easy terms, and fast service with a maximum ceiling of Rp. 350,000,000, - and a maximum period of 15 years.

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Benefits / Facilities:

  1. Financing the working capital, investment and consumption needs
  2. Liquidation can be done at once or withdrawn at any time
  3. Principal installment payment
  4. Interest payment

Fees: 

  1. Administration and provision fees
  2. Notary/PPAT fees and collateral binding (including checking the validity of the certificate)
  3. Independent appraisal and guarantee checking fees
  4. The cost of loss insurance premiums and life insurance
  5. Costs incurred (late penalty/expedited settlement)

Terms of Submission of Credit (Individual): 

  1. Photocopy of applicant's numbers (husband / wife) ID and NPWP
  2. Photocopy of Family Card and Marital Certificate
  3. Photocopy of Certificate of Business
  4. Document Ownership of Stall / kiosk and child diploma.

Terms of Submission of Credit (usiness entity):

  1. Business Legality (SIUP, TDP, SITU, NPWP)
  2. Copy of Checking Account / Savings / Deposit
  3. Evidence of last year's UN payments
  4. Photocopy of invoices and receipts
  5. Photocopy of Practicle License
  6. Photocopy of deed of establishment and latest amendment
Kredit Usaha Rakyat (KUR) is credit/working capital financing and/or investment to individual debtors, business entities and/or productive and feasible micro business groups that do not yet have additional collateral or whose additional collateral is insufficient.

Product Features

 

1. Credit Purpose

To meet working capital and business investment needs for productive purposes.

 

2. Credit Limit

Maximum of IDR 50,000,000 (fifty million rupiah)

 

3. Term

a. Working Capital Credit: maximum of 3 years

b. Investment Credit: maximum of 5 years 

 

4. Interest Rate 

Maximum 6% p.a. effective 

 

5. Credit Type 

Non-revolving 

 

6. User Allowance 

Investment/Working Capital 

 

7. Payment System 

Monthly 

 

8. Provision 

In accordance with applicable KUR Mikro provision regulations 

 

9. Administration Fees 

In accordance with applicable KUR Micro administration fee provisions

 

10. Principal Collateral 

Business or object being financed 

 

11. Additional Collateral and Collateral Restrictions 

Additional collateral and restrictions are prohibited

 

12. Life Insurance and Loss Insurance 

Not required

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