Capital Loans

The loans that is dedicated to the business in the industry, trade and services of or relating to procurement and production process up to the goods sold.

The period: maximum facilities for 3 ( three ) year .

Uses facilities

  • Two finance business credit.
  • Supply of two stock fund .
  • The sourcing of raw materials .
  • Finance contracts

Maximum loans:

  • Maximum 80 % of working capital requirement.

Kegunaan Fasilitas

  • Membiayai kebutuhan modal kerja simpan pinjam koperasi pegawai/karyawan

Excellence

  • Working capital credit products kmk ( ) varying covering public kmk , construction kmk , a contractor and kmk kmk to financial institutions is not bank ( lkbb ) .
  • Competitive Lending.
  • The process of easy and quick with active marketing pick up the ball.

Terms and provisions:

No

Description

Terms and Provisions

1

Product

Capital Loans

2

Criteria debtor requirements

  1. The applicant business is a legal entities and non the body of laws and individuals have domicile within the territory of the republic of indonesia specified in articles of association and / or change .

  2. For example: enterprises non legal entity as cv , firms , and fa nv .

  3. The applicant and / or steward and inspector has experience in his businesses at least 2 ( two ) year .

  4. The minimum age for the individual debtor at least 21 years or had married .

  5. Not included in black list issued by bank indonesia .Not having loan defaults .

3

Requirements and the documents legality

  1. Documents credit business entity legal entity:
    • A request loans from the applicant / the committee / power.
    • Deed of establishment company s.d certificate the final change.
    • Endorsements from ministry of law and human rights / cooperative and smes ministry ( in the event the applicant cooperatives ).
    • The structure of the organization.
    • Photocopy of id card and vitae the and inspector company and shareholders.
    • Npwp the company.
    • The company photo.
    • The company group ( if there are ).
    • Business licensing as tdp / licences / there.
    • Npwp.
    • Permit ( appropriate other businesses ).
  2. The venture credit non legal entity:
    • An application form for credit from the applicant / officials / power the management .
    • The deed of establishment of the company s.d a deed of final change .
    • The structure of the organization .
    • Photocopy of id card and life history of the management and supervisors as well as shareholders .
    • The management company of various important .
    • A photograph of the management company .
    • Group data company if so .
    • Licensing of business as tdp / siup / there .
    • Taxpayer number npwp .
    • A seal of approval in accordance with other business .
  3. Individuals:
    • An application form for credit from the applicant .
    • The applicant and their identification card himself .
    • A photocopy of family card .
    • Photos and lives of an applicant who shows that concerned parties to have been versed in the field of their business at least 3 years .
    • A photocopy of taxpayer number npwp .
    • At least skdu / siup business licensing .

4

The requirements and the financial data

  1. Financial report 2 ( two ) years last or financial report the opening if the company has been running less than 1 ( one ) year.
  2. To petition credit & gt; rp.10 billion so financial report must audited by public accountant who have been registered accompanied report.

  3. Copy account 3 ( three months ).

  4. Projection cash flow.

  5. Assessment collateral are obliged to use kjpp partners bank.

5

Maxsimal Plafond Credit

80 % of maximum working capital requirement .

To individuals or individuals given rp .500 million .

A debtor business entities in accordance bmpk.

6

A period of time credit lending

Maximum 36 months 3 years

7

Lending rates

Accordance

8

Credit costs

  1. The notary .

  2. Administrasi (According)

  3. Provisi (According)

9

Setting the withdrawal of loans

Newspaper accounts through giro.

10

The credit repayments

Non installments ( pay flowers in every month , the redemption of principal maturity )

11

Credit Binding

Notarized

 

12

A kind of collateral

Land and or building

 

13

The Collateral

150 % to loan facility newspaper accounts ( prk ).