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Mega KUK (Small Business Loan)

Product Features :

  1. Benefit of product  :
    • Offered to both Individual and Business Entity
    • Collateral credit with monthly installment payment
    • Aim to fulfill the needs of investment and working capital of the current business
  2. Currency : IDR
  3. Interest Rate : Competitive interest rate and fixed during the term of the credit
  4. Credit Terms : Subject to business cash flow, 5 years maximum
  5. Credit Limit per debtor :100 mio IDR - 500 mio IDR
  6. Nature of Credit : Non Revolving

Terms Of Credit:

  1. Business has been established fot at least 2 (two) years
  2. Includes ID of applicant
  3. Includes legality document of business
  4. Includes the document of collateral
Mega KUM (Medium Business Credit)

Product Facilities :

  1. Benefit of product :
    • Offered to both Individual and Business Entity
    • Aim to fulfill the needs of investment and working capital of the current business
    • Grace period could be applied
  2. Currency : IDR or USD
  3. Exchange Rates : Competitive interest rate
  4. Credit Terms : Subject to business cash flow, 10 years maximum
  5. Credit Limit : 500 mio IDR – 5 bio IDR
  6. Nature of Credit : Revolving and Non Revolving
  7. Facility :
    • Investment loan is a long-term loan for companies intended for purchasing fixed assets and for launching new business projects
    • Working Capital loan facility will provide you the opportunity to use a credit line with a revolving limit, an overdraft facility or a loan with a preliminarily approved repayment schedule.
    • Non-Cash Loan in the form of bank’s guarantee and trade finance facility

Requirements:

  1. Business has been established for at least 2 (two) years
  2. Includes ID of applicant
  3. Includes legality document of business and other document for the necessity of credit’s applications
  4. Includes the document of collateral
Mega Linkage Program

Product Features :

    Facilities :
    • Executing scheme is a credit facility is granted to BPD (Regional Development Bank)/ BPR (Rural Bank) to be distributed to the end user.
    • Channeling scheme is a credit’s grant from Mega Bank to the new End User through BPD/BPR, whereas the whole financing fund derived from Mega Bank so that BPD/BPR acts as agent.
    • Asset Buy scheme is a credit’s grant to the existing End User (at least 3 months of membership) of BPD/BPR.
    • Joint Financing scheme is a credit’s grant to the new End User through BPD/BPR, whereas the sources of financing fund come from Mega Bank and BPD/BPR proportionally.
No.
Description
BPD/BPR
End User
1
Term Max. 6 years Max. 10 years
2
Credit Limit Max. 5 bio IDR Subject to Debt Service ratio (DSR)
3
Type of Credit Revolving Non Revolving

Requirements:

  1. BPD/BPR
    1. Bank Health Ratings (“Tingkat Kesehatan Bank”) at least Healthy for recent 1 year
    2. Non Performing Loan (NPL) maximum 5 %.
    3. Includes necessary document according to rule.
  1. End User
    1. At least. 21 years old or already married
    2. Includes necessary document
    3. Granted for micro businessman, Civil Servant/Retiree,
    4. Employee, professional, business entity
Mega Highlights
  Curr             Buy            Sell
USD
13500
13800
EUR
15755
16118
AUD
10118
10357
SGD
9919
10147
JPY
118.27
121
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