Build a Productive Business
with Bank Jakarta

Micro Financing

Build a Productive Business with Bank Jakarta

Sharia-based productive financing provided to individual entrepreneurs or businesses that are not yet incorporated, to support working capital needs.

Sharia Financing Solutions for Business Growth

Suitable for Business Expansion

Simple Terms and Conditions

Based on Sharia Principles

Continuous Service Support

Transparent

Sharia Financing Solutions for Business Growth

Suitable for Business Expansion

Simple Terms and Conditions

Based on Sharia Principles

Continuous Service Support

Transparent

Registration Terms & Conditions

Photocopy of Husband and Wife's ID Cards (KTP), Family Card (KK), Marriage Certificate, and Taxpayer Identification Number (NPWP)

Business License or Business Certificate (SKU)

Attach Collateral Documents (if necessary)

Other supporting documents according to Bank Jakarta's provisions (if necessary)

Additional Information

Product Risks

Customers are required to pay a late payment penalty (Ta'zir) for each day of installment payment delay beyond the due date.
Customers are required to fully settle the financing immediately in the event of bankruptcy, failure to fulfill obligations to other banks, failure to make installment payments to the Bank, cessation of business operations, revocation of business licenses, being declared bankrupt, or submitting inaccurate or misleading reports.

Product Information Summary (RIPLAY)

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Frequently Asked Questions

Micro iB Financing is a sharia-based productive financing facility provided to individual entrepreneurs or businesses that are not yet incorporated to support working capital and business investment needs. This financing is intended for Perumda Pasar Jaya traders, entrepreneurs outside Perumda Pasar Jaya, business communities, and other MSME business owners.

Micro iB Financing can be applied for by individual entrepreneurs, market traders, members of business communities, and MSME business owners who operate active businesses and meet the requirements set by Bank Jakarta.

Micro iB Financing can be used for:

Business working capital, such as purchasing inventory or supporting daily business operations.
Business investment, such as purchasing equipment, renovating business premises, or other business development activities that support productivity.

Micro iB Financing applies sharia principles that emphasize transparency and fairness in transactions. In addition, the financing scheme is tailored to business needs, offers a simple application process, and provides peace of mind through sharia-compliant management.

Customers can apply for Micro iB Financing by visiting the nearest Bank Jakarta service office and completing the required documents. Bank Jakarta will then conduct a verification and assessment process to determine financing eligibility based on business needs and applicable sharia principles.