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Lending


  • Working Capital Loan
  • Investment Credit
  • Credit Supply Chain
  • KKLK
  • BNI Wirausaha (BWU)
  • Kredit Usaha Rakyat
  • Kredit Beragun Deposito
    Berjangka

Working Capital Loan

BNI always strives to help the growth of your business, by providing capital loans that can improve your business.

The advantages of BNI’s Working Capital Loan :

  • Applicable for a variety of needs, such as a Working Capital Loan for industry, transportation, hospitality, construction, etc.
  • Competitive interest rates.
  • Ease of credit disbursement and other transactions supported by BNI networks available throughout Indonesia.

Requirements :

  • Complete permits/business legality that is still valid according to its line of business.
  • The business has been operational for at least 2 (two) years for the medium business segment and 3 (three) years for cooperatives.

For further information about our products, please contact BNI Call 1500046.

*Other data/requirements depend on the credit process needs.

Investment Credit

BNI understands that the growth of your business is related to investments that you make. The solution BNI would like to provide is Investment Credit, which is defined as medium or long-term loans to complete your company’s investments.

Advantages of BNI’s Investment Credit :

  • It can be utilized for the purchase of capital goods and services which are required to establish new projects, current project expansions, modernization, rehabilitation, project relocations or refinancing goods that have been paid for in advance.
  • The credit time limit can be adjusted according to the business ability of the customer.
  • Competitive interest rates.
  • Credit liquidation advantages and other transactions, supported by BNI’s nationwide network.

Requirements :

  • Complete permits/business legality that is still valid according to its line of business.
  • The business has been operational for at least 2 (two) years for the medium business segment and 3 (three) years for cooperatives.

For further information about our products, please contact BNI Call 1500046.

*Other data/requirements depend on the credit process needs.

Credit Supply Chain

BNI understand your business needs that require a form of financing that better integrates your business with business partners. The solution that is given is by supply chain financing. Supply chain financing is a credit facility given to business partners (suppliers/buyers/contractors) from our prime customers.

Advantages :

  • Competitive interest rates with flexible credit requirements.
  • Facilities are customized according to the needs related to supply chain.
  • BNI networks available throughout Indonesia.
  • Simple credit process.

Requirements :

  • Complete permits/business legality that is still valid according to its line of business.
  • As a business partners (supplier/buyer/contractor) from our prime customers.

Supply Chain Financing Product :

  1. Supplier Financing Credit facilities to Business Partners by taking over payment of account receivable from Principal/Corporate that have not yet matured.
  2. Distributor Financing Credit facilities to Business Partners to pay trade payables to Principal/Corporate at maturity.
  3. Payable Financing Credit facilities to Principal/Corporate to pay trade payables to Business Partners at maturity.
  4. Receivable Financing Credit facilities to Principal/Corporate by taking over payment of account receivable from Business Partners that have not yet matured.

For further information about our products, please contact BNI Call 1500046.

*Other data/requirements depend on the credit process needs.

Kredit Kepada Lembaga Keuangan (KKLK)

As evidence of BNI’s support towards the growth of financial institutions in Indonesia, BNI provides payment solutions in the form of Loans to Financial Institutions (KKLK). Loans to Financial Institutions (KKLK) are credit facilities provided to or through Financial Institutions to be loaned to end users, which are completed through strategic alliances (cooperation).

Advantages :

  • BNI networks available throughout Indonesia.
  • Competitive interest rates with a system of effective interest calculations, annuities or flat.

Requirements* :

  • Complete permits/business legality that is still valid according to its line of business.
  • The business has been commercially operational for at least 3 (three) years.

For further information about our products, please contact BNI Call 1500046.

* Other data/requirements depend on the credit process needs.

BNI Wirausaha (BWU)

For you, the entrepreneurs who need investment loans and flexible working capital loans to develop your business, apply for BNI Wirausaha now and also credit from BNI for small businesses with credit facilities up to Rp 1 billion. BNI Wirausaha supports your business through the provision of productive business loans to individuals and legal entities, which include all economic sectors that are feasible to be financed.

Advantages of BNI Wirausaha (BWU) :

  • Quick process and easy requirements.
  • Longer credit period of up to 10 years.
  • Competitive interest rates.
  • Flexible installment payment.
  • Maximum credit limit of up to Rp 1 billion.
  • Can take over credit from other banks.

Requirements :

  • Indonesian Citizen (WNI).
  • Business has been running for at least 1 year.
  • Minimum age 21 years (or married).

For more information on our products, please contact BNI Call 1500046 or access eform.bni.co.id

* Other data/requirements are according to the needs of credit process.

Kredit Usaha Rakyat (KUR)

BNI can provide financing to your business that is feasible but does not yet have collateral according to the Bank's requirements.

Find the solution with Kredit Usaha Rakyat which can be provided to :

  • Prospective debtors of Micro, Small and Medium Enterprises.
  • Prospective Indonesian workers who will work overseas.
  • Prospective interns abroad.
  • Family members of employees who have a steady income or work as Indonesian Migrant Workers (TKI).
  • Indonesian workers who complete their contract from working abroad.
  • Workers affected by employment termination.
  • Micro, small and medium enterprises in the border region with other countries.
  • Business groups such as joint business groups (KUBE), joint farmer and fishermen groups (Gapoktan) and other business groups.
  • Retired Pegawai Negeri Sipil (PNS), Retired Tentara Nasional Indonesia (TNI), and Retired Police of Republic Indonesia (POLRI)
  • Not an Active Aparatur Sipil Negara (ASN), TNI, dan POLRI

Kredit Usaha Rakyat year 2022 prioritize several production sector such as :

  • Agriculture, Hunting, and Forestry Sector
  • Maritime and Fishing Sector
  • General Manufacturing Sector
  • Construction Sector
  • People's Salt Mining Sector (Pertambangan Garam Rakyat)
  • Tourism Sector
  • Production Sector, and/or
  • The Others General Production Sector

Privileges :

  • Simpler and faster credit process with affordable interest rate
  • Interest rate 6% eff p.a
  • Can be used to increase business capital and investment credit.
  • Repayment period of up to 5 (five) years.
  • BNI's network is spread throughout Indonesia.

SUPER MICRO KUR

  • Maximum : up to Rp. 10 juta
  • Loan Term : up to 3 year (working capital credit), up to 5 tahun (Investment Product).
  • Administration requirements : e-KTP, Family Card, Business License from Village Office/Sub-Regency Office.
  • Collateral : not required

MICRO KUR

  • Maximum : > Rp 10,000,000 - Rp 50,000,000.-.
  • Loan term of up to 3 years (working capital credit), up to 5 years (investment credit).
  • Administration requirements : e-KTP (KTP), NPWP (for KUR > Rp. 50 million), Family Card, Business License from Village Office/Sub-Regency Office.
  • Collateral : not required.
  • Interest rate : 6% eff p.a.

SMALL KUR

  • Maximum : > Rp 100,000,000.- to Rp 500,000,000.-.
  • Loan term : up to 4 years (working capital credit), up to 5 years (investment credit).
  • Administration requirements : e-KTP (KTP), NPWP, Family Card, Business Certificate from Village Office/Sub-Regency Office.
  • Collateral : adjusted to BNI’s terms.
  • Interest Rate : 6% eff p.a.

KUR for Indonesian Workers Placement

  • Maximum : up to Rp 100,00,000.-.
  • Loan term : adjusted to the maximum employment contract period of 3 years.
  • Administration requirements : e-KTP (KTP), Family Card, Business License.
  • Collateral : not required.
  • Placement country destination : Singapore, Malaysia, Hong Kong, Taiwan, South Korea, Japan.
  • Interest Rate : 6% eff p.a.

General Requirements for Micro KUR, Small KUR, KUR TKI and Special KUR * :

  • Not receiving business/productive credit facilities from other banks and or not currently receiving Credit Programs from the Government (except KUR at BNI).
  • Can be receiving KUR credit at BNI and/or consumer credit (KPR, vehicle leasing, credit cards and warehouse receipts) with current collectability.
  • Experienced in the business field for at least 6 (six) months.
  • Aged minimum 21 years or married.
  • Not included in Bank Indonesia black list and not listed as bad/non-performing debtor.

For more information on our products, please contact BNI Call 1500046 or access eform.bni.co.id.

* Other data/requirements are according to the needs of credit process.

Kredit Beragun Deposito Berjangka

Are you currently in urgent need of funds to expand your business? BNI offers a solution in the form of Deposit Backed Loans which is a credit facility provided to entities that are regulated by law (except for foundations or cooperatives) with collateral only in the form of time deposits.

Advantages:

  • Helps companies (deposit holders) receive credit without having to liquefy their deposit.
  • Can be used for all purposes (free use).
  • BNI networks available throughout Indonesia.

Requirements* :

  • Guaranteed deposits are as follows:
  • Deposits (with the same currency) on behalf of the applicant, owner or manager of the company or enterprise groups.

For further information about our products, please contact BNI Call 1500046.

* Other data/requirements depend on the credit process needs.