Linkage BPR Credit

  • TARGET:
    • Linkage BPR executing pattern
    • BPR linkage channeling pattern
    • Linkage BPR joint financing pattern
    • Linkage BPR executing pattern
  • INTEREST RATE:
    Interest rates are in accordance with applicable regulations
  • JANGKA WAKTU
    • Linkage BPR Executing Pattern
      The term of the credit facility to the BPR
      • BPR Perbramid a maximum of 16 (sixteen) years;
      • BPR Perbarindo maximum 6 (six) years tahun
    • Linkage BPR Channeling Scheme
      Maximum 3 (three) years
    • Linkage BPR Joint Financing Scheme
      According to project eligibility, a maximum of 3 years
    • Linkage BPR Executing for Employees Scheme
      Maximum 10 (ten) years
  • GUARANTEE:
    Executing Scheme, Channeling Scheme
    The main guarantee of BPR Operational Business Feasibility in accordance with Bank Indonesia / Financial Services Authority standards, Additional Guarantee :
    1. Personal Guarantee for privately owned BPRs
    2. For BPR Perbramid, the total guarantee is at least 100% (one hundred percent) of the credit limit . Cash Collateral and / or Fix Asset and / or Credit Insurance at least 50% (fifty percent) of the credit limit
    3. The additional guarantee for BPR Perbamida is a minimum set replacement of 125% . Cash Collateral and / or Fix Asset and / or Credit Insurance at least 70% of the credit limit

  • APPLICATIONS REQUIREMENTS:
    • Executing Scheme
      • The additional guarantee for BPR Perbamida is a minimum set replacement of 125% . Cash Collateral and / or Fix Asset and / or Credit Insurance at least 70% of the credit limit. The last year's BPR Perbarindo Health Level was in the "HEALTHY ENOUGH" category as reported to the Financial Services Authority
      • Analysts verify the Soundness of the BPR through self-assessment with data sources from the Financial Services Authority website.
    • Channeling and Joint Financing Scheme
      • BPR must have been operational for at least 1 (one) year as evidenced by an operational permit from the Ministry of Finance / Bank Indonesia / Financial Services Authority.
      • The result of the Bank's examination of the minimum RB Soundness Level is the "HEALTHY ENOUGH" category as evidenced by a certificate from the Financial Services Authority
    • Executing patterns, Channeling
      • Submit monthly reports Bank Indonesia last month.
      • Submit Business Plan or Work Plan last year
      • Changes to the Business Plan which has been approved by Bank Indonesia must be submitted to the Bank
      • Capital Adequacy Ratio (CAR) of at least 12%
      • Non Performing Loan (NPL) Nett Ratio should not be more than 8% (eight percent) according to the calculation of Bank Jatim.
Terms, conditions/for more information about our products, please contact Info Bank Jatim 14044 or visit branch offices Bank Jatim.