BPRS Linkage Financing.

Financing provided to BPRS (Sharia Rural Banks) to be passed on as loans to the end users of the BPRS.

  • Main Product Features
    • Ceiling :
      1. Maximum BPRS ceiling according to financing needs (Business Plan)
      2. Maximum BPRS ceiling to customers is adjusted to the BPRS Maximum Financing Limit (BMPP)
    • Interest Rate / Margin :
      1. APEX BPRS members of Bank Jatim Sharia Business Unit (UUS) : 9% - 13% p.a. effective
      2. Non-APEX BPRS members of Bank Jatim Sharia Business Unit (UUS) : 11.25% - 13% p.a. effective
    • Loan Term/Tenor :
      1. Perbamida and Perbarindo BPRS distributed to prospective/customers (end users) with non-fixed income, maximum 5 (five) years
      2. Perbamida BPRS distributed to prospective/customers (end users) with fixed income, maximum 15 (fifteen) years
    • Type of Collateral : Minimum of 100% of the financing ceiling
  • Benefits
    • To increase the customer's working capital in the context of distributing financing to BPRS customers;
    • Collateral submitted to the Bank can be in the form of Asset Replacement, which is the nominative of BPRS financing customers
  • Requirements
    1. Financing application letter & its approval from the Board of Commissioners or Supervisory Board;
    2. List of the composition of management;
    3. Company Deed of Establishment along with its articles of association and latest amendments, specifically for BPRS in the form of Regional Companies (PD) must include Regional Regulations regarding the establishment of the BPRS;
    4. Ratification from the Ministry of Law and Human Rights (Kemenkumham);
    5. Latest Bank Soundness Level;
    6. Taxpayer Identification Number (NPWP);
    7. Copy of tax reporting proof;
    8. Copy of Business Identification Number (NIB);
    9. OJK operational permit;
    10. Financial statements for the last 3 years (for BPRS with assets ≥ Rp. 10,000,000, audited by a Public Accounting Firm / KAP);
    11. Curriculum Vitae and Personal Identity of Directors & Commissioners;
    12. Business plan & company profile;
  • RIPLAY (Product or Service Information Summary)
    • The general version of RIPLAY (Product and Service Information Summary) is a standard document that contains comprehensive important information regarding financial products or services
    • BPRS Linkage Financing RIPLAY

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