COMMERCIAL CREDITS

Cooperative Executing Loans
Working Capital Credit

Working Capital Credit

Credit Products intended for businesses in the industrial, trade and service sectors or those related to procurement 
or production processes until the goods are sold.
Duration of Facility: Maximum of 3 (three) years.
Maximum Loans : Maximum 80 % of working capital requirement
Usability of Facilities:
  • Finance the accounts receivable turnover
  • Financing the inventory turnover
  • Purchase of raw materials for production
  • Financing a work contract

Benefit:

  • Varied working capital credit (KMK) products include General KMK, KMK Construction,
    KMK Contractors and KMK for Non-Bank Financial Institutions (LKBB)
  • Competitive interest rate
  • The process is easy and fast with active marketing to pick up the ball
Financial Data Terms and Conditions:
  • Financial statements for the last 2 (two) years or opening financial statements if the company
    has been running for less than 1 (one) year.
  • For credit applications> Rp. 10 billion, the financial statements must be audited by a registered
    public accountant accompanied by an explanation.
  • Copy of the last 3 (three) months account.
  • Cash flow projection.
  • Collateral valuation must use KJPP Bank partners.

Terms and provisions:

No. Document Permanent Employee
 Professional Bussiness
1 Copy e ktp applicant
 √ √ √
2 Copy family card applicant
 √ √ √
3 Copy marriage certificate √ √ √
4 Copy NPWP/ SPT PPh 21 √ √ √
5 Copy saving account minimal 3 month
 √ – –
6 Copy current account 6 month √ √ √
7 Original certificate of work & salary slip
 √ – –
8 Copy Professional Practice Permit
 – √ –
9 Copy document  business legality  / Business Certificate (Deed of Establishment / AD-ART, SIUP, NPWP, SITU / SKDU & TDP) Companies from Local Governments.
 – √ –
10 Photo 4×6 applicant
 √ √ √
11 Copy document guarantee *) √ √ √
12 Copy financial statements for the past 2 year
 – – √