Multi-Purpose Loan

Multi-Purpose Loan (KMG) is a credit facility provided to customers with fixed income or allowances to fulfill various needs. This facility is available not only to active employees but also to contract workers, retirees, and widows/widowers of retirees.

  • Benefits
    • Competitive and low interest rates
    • Fast processing and simple requirements
    • Long repayment periods
  • Requirements
    • Indonesian Citizen (WNI) domiciled in Indonesia
    • Have a fixed income
    • Open to both existing credit facility holders and new applicants
    • No credit arrears
    • Fulfill the specific requirements as a credit recipient
  • RIPLAY (Product or Service Information Summary)
    • RIPLAY (Product and Service Information Summary) General Version is a standard document containing comprehensive important information regarding financial products or services
    • RIPLAY Multi-Purpose Loan
  • RAMADHAN KAREEM Promotion
    • Program Name: KMG Thematic Promo Program ”Ramadhan Kareem 2026”
    • Program Period: Valid from February 2, 2026, to March 31, 2026
    • Target Audience: Valid for all debtors under the Multi-Purpose Loan (KMG)scheme as follows:
      1. Applying for a Multi-Purpose Loan (KMG) at Bank Jatim
      2. New debtors, top-up/compensation debtors, takeover debtors from other banks (all KMG scheme debtors)
      3. Minimum net realization of Rp5,000,000.-
      4. Credit has been realized and is in current status.
    • Promotion Type: Debtors are given direct gifts such as:
      1. KURMA: Ramadhan Coupon
        A direct gift in the form of a coupon/voucher given to the debtor in an envelope with a value corresponding to the net realization.
      2. JARIYA: Holiday Snacks
        A direct gift in the form of a dry cake parcel or basic necessities given to the debtor according to net realization. Branches prioritize gifts purchased from MSME debtors assisted by Bank Jatim Branch Offices.
      • Ramadhan Kareem Gift Nominal Range:
      • NoCeiling (Plafond)Groceries /
        Shopping Voucher        		Prize Tax
        5%        		Net
        Gift        		Assumed
        NoA
        1 Rp5,000,000.- to
        Rp25,000,000.-        		 100,000 5,000 105,000 2,750
        2 > Rp25,000,000.- to
        Rp100,000,000.-        		 150,000 7,500 157,500 1,250
        3 > Rp100,000,000.- 200,000 10,000 210,000 1,000
        TOTAL 5,000
      • Debtors are only provided with one type of gift, either KURMA or JARIYA (based on customer needs).
      • Costs and taxes for the Ramadhan Kareem 2026 Consumer gifts are borne by the Consumer Credit Division based on the AO realization according to the program targets set by the Consumer Division.
    • Terms and Conditions:
      • Valid for all debtors specifically under the Bank Jatim Multi-Purpose Loan (KMG) scheme
      • New debtors, top-up/compensation debtors, takeover debtors from other banks (all KMG scheme debtors)
      • Minimum net realization of Rp5,000,000.- and credit in current status
      • Debtors are entitled to receive a Ramadhan gift in the form of a shopping coupon/voucher or Ramadhan parcel valued at max Rp200,000
    • Enjoy Various JConnect Mobile Features
    • Social Media
    • Further Information
      • Bank Jatim Info Call Center 14044
      • WhatsApp PRITA
    • Bank Jatim is licensed and supervised by the Financial Services Authority (OJK) & Bank Indonesia. Bank Jatim is a member of the Deposit Insurance Corporation (LPS)
  • UMRAH RAFFLE Promotion
    • Program Name: KMG Umrah Raffle Promo Program 2026
    • Program Period: Valid for KMG realizations from January – July 2026
    • Target Audience: Valid for all Multi-Purpose Loan (KMG) scheme debtors as follows:
      1. Applying for a Multi-Purpose Loan (KMG) at Bank Jatim.
      2. New debtors, top-up/compensation debtors, takeover debtors from other banks (all KMG scheme debtors).
      3. Credit has been realized and is in current status.
    • Program Prize: Raffle winner prize in the form of an Umrah pilgrimage departure package with a total quota of 65 winners
      • Periode Pengambilan Kredit = Januari – Juli 2026
      • Pengundian = Agustus 2026
      • Pelaksanaan Ibadah Umroh = Oktober - November 2026
    • Enjoy Various JConnect Mobile Features
    • Social Media
    • Further Information
      • Bank Jatim Info Call Center 14044
      • WhatsApp PRITA
    • Bank Jatim is licensed and supervised by the Financial Services Authority (OJK) & Bank Indonesia. Bank Jatim is a member of the Deposit Insurance Corporation (LPS)

For further requirements, terms, and details regarding our products, please contact Bank Jatim Info at 14044 or visit a Bank Jatim Branch Office directly.