Working capital and / or investment loans to individual / individual debtors, business entities and / or business groups that are productive and feasible but do not have additional collateral or additional collateral is not sufficient.
Issuer Name
PT Bank Pembangunan Daerah Sumatera Selatan and Bangka Belitung
Main Features
Types of KUR:
KUR Super Micro;
Maximum loan limit up to Rp10 million
Term of KMK max 3 years, KI max 5 years
Interest Rate 3% effective per year
Business Collateral or object financed
KUR Micro;
Maximum loan limit above Rp10 million to Rp100 million
Term of KMK max 3 years, KI max 5 years
Interest Rate: 6% (six percent) effective per year for first-time KUR recipients, 7% (seven percent) effective per year for second-time KUR recipients, 8% (eight percent) effective per year for third-time KUR recipients, 9% (nine percent) effective per year for fourth-time KUR recipients.
Business collateral or object financed
Small KUR;
Maximum Loan Limit above Rp100 Million to Rp500 Million
Term of KMK max 4 years KI max 5 years
Interest Rate: 6% (six percent) effective per year for first-time KUR recipients, 7% (seven percent) effective per year for second-time KUR recipients, 8% (eight percent) effective per year for third-time KUR recipients, 9% (nine percent) effective per year for fourth-time KUR recipients,
Business Collateral or objects to be financed, Land and/or Buildings, Motor Vehicles, kiosks/shops/stalls, Inventory, Machinery/Equipment
KUR for the Placement of Indonesian Migrant Workers;
Maximum loan limit up to Rp100 million
Maximum Term of 3 Years
Interest Rate 6% effective per year
Special KUR.
Maximum loan limit up to Rp500 million
Term KMK max 4 years KI max 5 years
Interest Rate 6% effective per year
Business Collateral or object financed, Vacant Land, Land & Building, Motorized Vehicles, kiosks / shops / stalls, Inventory, Machinery / Equipment
Benefits
Low interest rate
Large enough loan limit
Long loan period
Easy application requirements
No additional collateral for certain loan limits
Risk
Risk of changes in economic & political conditions
Liquidity risk
Risk of 3rd party default
Risk of changes in laws and regulations
Force majore risk (natural disaster/ extraordinary event)
Requirements
Requirements are in accordance with the type of KUR and the needs of the credit process
KUR/KUR Syariah recipients consist of:
Micro, small, and medium enterprises;
Micro, small, and medium enterprises from family members of employees who have a fixed income or work as Indonesian Migrant Workers;
Micro, small, and medium enterprises of Indonesian Migrant Workers who have worked abroad;
Micro, small, and medium enterprises in border areas with other countries;
Micro, small, and medium enterprises of retired Civil Servants, Indonesian National Army and Indonesian National Police or who have entered the retirement preparation period;
Micro, small, and medium enterprises that are not Civil Servants, Indonesian National Army, and Indonesian National Police;
Group of micro, small and medium enterprises which include: a. Business Group; or b. Gabungan Kelompok Tani dan Nelayan (Gapoktan);
Micro, small, and medium enterprises of workers affected by termination of employment;
Prospective Indonesian Migrant Workers who will work abroad;
Prospective apprentices abroad; and/or
Micro, small, and medium enterprises of housewives.
Cost
Regarding the fees charged, please contact the nearest Bank Sumsel Babel Branch Office directly.
Additional Information
To get more information about Bank Sumsel Babel credit products, please visit the nearest Bank Sumsel Babel Branch Office or contact Customer Care Hotline 1500711.
