Micro Laguna Loan

  • Loan Target:
    All productive enterprise that eligible declared based on the health banking and credit principles include :
    1. Small trade enterprise;
    2. Small industrial enterprise / home Industries;
    3. Agriculture / horticulture / fishery / livestock Enterprise;
    4. Service enterprise;
    5. For other purposes according to the Bank decently and responsibly
  • Loan Plafond:
    1. Laguna I Tabur Puja
      Loan plafond that can be given to the enterprise group debtor until Rp 2.000.000,00 (two million) per person.
    2. Laguna II
      Loan plafond that can be given to individual/group debtor is > Rp 5.000.000,00 (five million rupiah) up to Rp 25.000.000,00 (twenty five million rupiah) per person
    3. Laguna III
      Loan plafond that can be given to individual /group debtor is > Rp 25.000.000,00 (twenty five million rupiah) up to Rp 50.000.000,00 (fifty million rupiah) per person
  • Interest Rate :
    Low, competitive, and attractive interest rate
  • Time Period :
    1. Working capital loan maximum of 3 (three) years
    2. Investment loan maximum of 5 (five) years.
  • Loan Application Requirements:
    • Individual
      1. Loan Application Letter corresponding the form in the appendix
      2. Recent photograph 2 (two) pieces
      3. Copy of ID Card (KTP) husband and/or wife
      4. Copy Family Structure Card (KSK)
      5. Copy of married certificate or unmarried certificate
      6. Letter of death / divorce (who is a widow/widower)
      7. Proof of additional collateral ownership, if any
      8. Reference Letter to ensure (as the example in the appendix)
    • Group
      Additional requirements are :
      1. Group formation report
      2. Group at least 10 people / or according to the needs and the group must determine its board that consists of: Chairman, Secretary, Treasurer, Member.
    • Enterprise Entity / Legal Entity
      Additional requirements are :
      1. Board structure
      2. Financial report (scale and profit-loss report) last recently 2 (two) years
      3. Copy of TIN
      4. The last Establishment and Alteration Deed
      5. Scale Trading Business Permit (SIUP)
      6. Company Registration Number (TDP)
      7. Business Location Permit (SITU)
      8. Disturbance Permit (HO), if any

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

Loan Agreement Micro Laguna

  • Loan that granted to micro enterprise to develop their enterprise.
  • Primary Industry Enterprise
    Is an enterprise which engaged in the activity of first phase processing of primary sector output.
    Examples of financing on the first stage primary industry processing :
    • Industry processing of rice plant into rice
    • Industry processing of fruits into fruit chips or drink
    • Industry processing of shrimp into shrimp paste or shrimp chips
    • Industry processing of wood into furniture
    • Industry processing of meat into mince, bacon, meat kebabs, meatball, sausage, dried meat, floss, beef jerky, beef broth
    • Industry processing of gold seed ore into gold
  • Secondary Industry Enterprise
    Enterprises engaged in processing activities of the second phase of production of primary industry sector.
  • Loan Target :
    Individual who has enterprise in the primary industry field is engaged enterprise in the first phase of production of primary sectors processing activities covering the outcome of agriculture, plantation, fishery, forestry, animal husbandry, and mining or Secondary Industry Enterprise (Enterprises engaged in processing activities of the second phase of production of primary industry sector).
  • Loan Plafond
    Maximum loan plafond is Rp 100 million per debtor
  • Interest Rate
    The interest rate is 7% - 9% effective floating rate
  • Time Period
    Maximum 2 (two) years
  • Loan Application Requirements
    • Loan Application Letter corresponding the form in the appendix
    • Recent photograph 2 (two) pieces
    • Copy of ID Card (KTP) husband and/or wife
    • Copy Family Structure Card (KSK)
    • Copy of married certificate or unmarried certificate
    • Letter of death / divorce (who is a widow/widower)
    • Proof of additional collateral ownership, if any
    • Reference Letter to ensure (as the example in the appendix)

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