SME Loan

Become a Champion Business with Bank Jakarta SME Loan

Productive sharia-based financing for individual business owners to fulfill working capital needs.

Financing to Support Your Business that Prioritizes Halal and Growth

Suitable for Business Expansion

Simple Terms and Conditions

Based on Sharia Principles

Continuous Service Support

Transparent and Fair

Financing to Support Your Business that Prioritizes Halal and Growth

Suitable for Business Expansion

Simple Terms and Conditions

Based on Sharia Principles

Continuous Service Support

Transparent and Fair

Registration Requirements & Terms

Indonesian Citizen (WNI) residing within Bank Jakarta's operational area.

Financing Facility Application Letter.

Business Legal Documents.

Copies of ID Card (KTP), Tax Identification Number (NPWP), Company Profile (CV), Business Identification Number (NIB), and documents of company management and shareholders.

Additional Information

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

SME Financing iB is a Sharia-based productive financing facility provided to small and medium-sized businesses to support working capital and business investment needs, helping businesses grow sustainably.

SME Financing iB can be applied for by small and medium-sized business owners with active businesses who meet the administrative requirements and require financing for business development.

SME Financing iB can be used for:

Business working capital, such as purchasing raw materials, inventory, and operational business needs.
Business investment, such as purchasing machinery, operational vehicles, business equipment, renovating business premises, or expanding business operations.

SME Financing iB is based on Sharia principles that emphasize transparency, fairness, and ethical value in every transaction. The financing structure is tailored to business needs and provides peace of mind through compliance with Sharia principles.

Customers can apply for SME Financing iB by visiting the nearest Bank Jakarta branch and submitting 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.