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- Loan amount:
Business Period Loan Amount 0 – 6 months 0 – IDR 1 billion > 6 months 0 – IDR 25 billion - Competitive effective interest rate and provision amount
- Interest payment in accordance with the usage of loan facility
- Collateral may be in form of land and building’s certificate, or vehicle ownership ceritificate (BPKB). Free of appraisal fee*
- Quick process (5 working days) from the day documents are completely received
*terms and conditions applied.
General Requirements
- Applicant must be an employee (including civil servants), entrepreneur, professional or a business entity.
- One of these financial documents:
Applicant Required Documents Employee (including civil servants), entrepreneur, or professional - The latest monthly salary slip, or
- The latest 1 month of saving account statement (that reflects monthly income/ salary), or
- Other valid proof of income (e.g. supplier agreement, contract, lease agreement)
Legal Entity Loan Ceiling Required Document < IDR 5 billion - The latest 1 month of saving account/ current account statement (that reflects monthly income/ salary), or
- Other valid proof of income (e.g. supplier agreement, contract, lease agreement)
- The latest annual financial statements
IDR 5 – 12 billion* The latest annual financial statements < IDR 12 billion The latest audited annual financial statements * The latest audited annual financial statements are required should they are obligated by the prevailing law.
- Business legal documents:
- Business permit (Surat Izin Usaha Perdagangan/ SIUP), or
- Business certificate (Surat Keterangan Usaha/ SKU) (for loan ceiling < IDR>
- Merchant ID card (Surat Tanda Pedagang)/ trading permit (surat keterangan izin berdagang)/ proof of merchant ID (bukti tanda pengenal pedagang)
Additional documents for legal entity applicants:- Certificate of Company Registration (Tanda Daftar Perusahaan/ TDP) and
- Company domicile sertificate (Surat Keterangan Domisili Perusahaan/ SKDP)/ business place permit (Surat Izin Tempat Usaha/ SITU)/ disturbance permit (HO)/ special business permit issued by the authority.
- Collateral ownership:
Debtor Collateral owner* Individual - Debtor
- immediate family member (father/ mother/ spouse/ children)
Legal Entity - Debtor
- Management
- Shareholder
- Spouses of management or shareholder
*for BPKB (Bukti Pemilikan Kendaraan Bermotor/ proof of ownership of motor vehicle) that is still under the name of other party may be used as a collateral as long as complimented with purchase receipt, copy of previous owner’s ID card, copy of STNK (Surat Tanda Nomor Kendaraan/ vehicle registration certificate), purchase invoice, letter of right transfer for BPKB under the name of a legal entity, and other documents deemed necessary.
- Collateral is located within 50 km from the nearest Bank Sampoerna.