KMG HUT65 – 65% Provision Fee Cashback
Apply Today and Enjoy a 65% Provision Fee Cashback!
In celebration of Bank Jatim's 65th Anniversary, Bank Jatim presents the KMG HUT65 – 65% Provision Fee Cashback promotional program as a form of appreciation for customers and as an opportunity to strengthen Bank Jatim's business growth.
Program Name
KMG HUT65 – 65% Provision Fee Cashback
Program Background
This promotional program is organized to commemorate Bank Jatim's 65th Anniversary in August.
The program serves as a form of appreciation for customers and as an opportunity to strengthen Bank Jatim's business growth.
Program Period
August 1, 2026 – August 31, 2026
Program Details
| Component | Terms |
|---|
| Product |
Multipurpose Loan (KMG) |
| Target Customers |
Borrowers under the Multipurpose Loan scheme during the program period. |
| Cashback |
65% of the provision fee in accordance with the ALCO decision, with a maximum cashback of IDR 650,000. |
| Interest Rate |
The regular interest rate in accordance with ALCO shall apply. |
| Period |
August 1 – August 31, 2026 |
Promotional Terms and Conditions
Prospective borrowers and existing borrowers who complete a Multipurpose Loan disbursement, including its applicable variations, are eligible for the promotion subject to the following terms and conditions:
- Prospective borrowers and borrowers categorized as new customers, fully paid-off customers, take-over customers, and top-up/compensation customers may participate in the program during the promotional period.
- For top-up/compensation facilities, borrowers must have a minimum net loan amount of 50% of the initial loan limit during the promotional period.
- The cashback provided is equal to 65% of the provision fee in accordance with the ALCO decision, with a maximum amount of IDR 650,000.
- This promotional program cannot be combined with other consumer loan promotional programs. Example: JConnect Run Promotion.
Top-Up / Compensation Terms
Minimum Net Loan Amount of 50%
For top-up/compensation facilities, borrowers must have a minimum net loan amount of 50% of the initial loan limit during the promotional period.
The net loan amount is calculated by deducting the outstanding loan balance from the top-up application amount.
Top-Up Cashback Calculation Simulation
Below is an example of a cashback calculation simulation for a Top-Up application:
| Initial Loan Limit | Minimum Net Top-Up
50% of Initial Loan Limit | Outstanding Loan Balance | Top-Up Application | Net Amount | Status |
|---|
| IDR 50,000,000 |
IDR 25,000,000 |
IDR 30,000,000 |
IDR 50,000,000 |
IDR 50,000,000 - IDR 30,000,000 = IDR 20,000,000 |
Net amount < 50% of the initial loan limit. Not yet eligible for the provision fee cashback promotion. |
| IDR 70,000,000 |
IDR 35,000,000 |
IDR 50,000,000 |
IDR 90,000,000 |
IDR 90,000,000 - IDR 50,000,000 = IDR 40,000,000 |
Net amount > 50% of the initial loan limit. Eligible for the provision fee cashback promotion. |
| IDR 90,000,000 |
IDR 45,000,000 |
IDR 45,000,000 |
IDR 90,000,000 |
IDR 90,000,000 - IDR 45,000,000 = IDR 45,000,000 |
Net amount > 50% of the initial loan limit. Eligible for the provision fee cashback promotion. |
| IDR 20,000,000 |
IDR 10,000,000 |
IDR 15,000,000 |
IDR 20,000,000 |
IDR 20,000,000 - IDR 15,000,000 = IDR 5,000,000 |
Net amount < 50% of the initial loan limit. Not yet eligible for the provision fee cashback promotion. |
Important Terms
- The cashback provided is equal to 65% of the provision fee in accordance with the ALCO decision, with a maximum amount of IDR 650,000.
- This promotional program cannot be combined with other consumer loan promotional programs.
- An example of a promotion that cannot be combined with this program is the JConnect Run Promotion.
- For top-up/compensation facilities, the minimum net loan amount must be 50% of the initial loan limit.
Administrative, Reporting, and Tax Procedures
- Loan Disbursement and Cashback Payment
The cashback will be processed by the authorized party in accordance with Bank Jatim's internal provisions by debiting CoA Q7364 – Multipurpose Loan Marketing Expense at the Branch/Sub-Branch P&L and subsequently transferring the cashback to the borrower's account.
- Tax Obligations
The cashback is subject to Final Income Tax Article 21 (PPh 21 Final), which shall be borne by the Consumer Credit Division. Payment and reporting will be carried out by Bank Jatim Head Office in accordance with applicable regulations.
- Data Entry / Registration
Branch Offices are required to maintain proper administration, register loan disbursements, use CoA Q7364, and submit reports through the established mechanism.
- Reporting & Claims
Reports on the promotional program implementation, supporting documentation, and reimbursement requests must be submitted no later than September 14, 2026.
- Responsibility & Audit
The appropriateness and reasonableness of budget utilization are the responsibility of the Branch and may be subject to Internal Audit.
KMG HUT65 – 65% Provision Fee Cashback
Apply Today and Enjoy a 65% Provision Fee Cashback!
Take advantage of the opportunity to receive a provision fee cashback of up to IDR 650,000 during the program period of August 1–31, 2026.
Disclaimer
Information regarding the KMG HUT65 – 65% Provision Fee Cashback program is provided based on the applicable program materials. The terms and conditions, cashback mechanism, and administrative provisions are subject to the program provisions established by Bank Jatim.
PT Bank Pembangunan Daerah Jawa Timur Tbk (Bank Jatim)
