Taking Your Jakarta SME Forward
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SME Loan

Taking Your Jakarta SME Forward Starts Here

The SME loan is a government program that helps business owners in Jakarta and its surroundings to easily obtain capital

Business Grows and Levels Up

Loans for Various Business Needs

Bank Jakarta SME Loan consists of two main financing solutions that can be tailored to business needs, namely Working Capital Credit and Investment Credit.

Working Capital Credit (KMK)

Financing to meet business working capital needs such as raw material purchases, operational costs, production costs, marketing costs, and other short-term or recurring business needs, with a financing limit of IDR 500 million to IDR 25 billion. Tenure applies up to 12 months (revolving) and 72 months (non-revolving).

Investment Credit (KI)

Financing used for the purchase of productive assets, business modernization, business expansion, new project development, or refinancing of productive assets with a financing limit of IDR 500 million to IDR 25 billion. Tenure is adjusted to the company's cash flow funding needs.

SME Loan Terms & Conditions

Individual application documents (ID Card, Tax ID Number/NPWP, Business Registration Number/NIB, business documents, and account activity for at least the last 6 months)

Business application documents (deed of establishment and amendments, NIB and legality documents, Tax ID Number/NPWP, Management ID Card, Financial Reports, vendor list)

Collateral documents in accordance with the applicable provisions

Application is submitted to Bank Jakarta accompanied by the required documents

Bank Jakarta reserves the right to conduct business analysis, credit assessment, and collateral valuation.

Additional Information

Product Risks and Terms

Bank Jakarta SME Loan helps businesses increase working capital, expand production capacity, and accelerate business growth.
There is a risk of late payment by customers.
Late payment penalties may apply.
Early settlement fees may apply in accordance with applicable terms and conditions.
Overdue interest charges may be imposed in the event of payment arrears.
There is a risk of collateral execution if obligations are not fulfilled.
Application information can be obtained through the nearest Bank Jakarta Branch Office.

Product Information Summary (RIPLAY)

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Frequently Asked Questions

A financing facility that helps small and medium-sized businesses meet their working capital and investment needs.

Starting from IDR 500 million up to IDR 25 billion.

Working Capital Loan (KMK) and Investment Loan (KI).

Because it provides flexible financing solutions, large financing limits, competitive tenors, and is designed to support the sustainable growth of small and medium-sized businesses.