linkage program BPR non APEX credit

    • TARGET CREDIT:
      Executing patterns are loans from the Bank to the RB to continue lent to micro and small customers and the risk is at RB;


Channeling patterns

    are loans granted by the Bank to customers via BPR small micro that acts as a "Penatakelola Credit Administration" and does not have loan approval authority unless the authority of the Bank or risk being in the Bank.
  • INTEREST RATE:
    Interest rates in accordance with the applicable provisions
  • TERM:
    1. Max. 5 years (executing pattern)
    2. Max. 3 years (chaneling pattern)
  • CREDIT GUARANTEE:
    Executing patterns

    Channeling patterns
    Debtor Bank Partners assisted the bank has to provide additional collateral in accordance with the provisions of SOP / BPP BPR at least 100% of the ceiling per Debtor can be:
    1. Goods not move
    2. Goods move
    3. Deposits, or savings blocked
    4. Where there is a lack of collateral, the Debtor shall provide a minimum of 30% of the credit limit and shortcomings can be insured.
  • FILING OF CREDIT TERMS:
    • Executing patterns
      • The bank has been operating a minimum of 3 (three) years as evidenced by the Annual Report and the Health Level BPR.
      • The results of examination of the Bank Soundness is a minimal BPR category "HEALTHY ENOUGH"
    • Channeling pattern
      • The bank has been operating a minimum of 1 (one) year as evidenced by the RB Annual Report and the Bank of BPR.
      • The results of examination of the Bank Soundness is a minimal BPR category "HEALTHY ENOUGH"
    • Executing patterns, Channeling
      • Submit monthly reports Bank Indonesia last month.
      • Submit Business Plan or Work Plan last year
      • Changes to the Business Plan which has been approved by Bank Indonesia must be submitted to the Bank
      • Capital Adequacy Ratio (CAR) of at least 8%
      • Non-Performing Loans (NPL) Ratio Nett should not be more than 5%.

Terms, conditions/for more information about our products, please contact Info Bank Jatim 14044 or visit branch offices Bank Jatim.