We provide various credit solutions for your needs, from working capital and investment to personal needs. Choose the credit product that suits your needs below.
Information on this page was last updated in October 2026 and may change at any time in accordance with bank policy.
Working Capital Credit
Working Capital Credit is a credit facility provided in the form of working capital to borrowers to finance one business cycle, especially for MSMEs and individual businesses.
Benefits & Advantages
- Supports business operations, including production, distribution, and procurement of goods/raw materials.
- Helps meet business working capital needs.
- Supports business network development.
- Helps with payment of business obligations.
- Credit application and approval follow credit analysis results and bank policy.
- Early repayment terms (including any penalty) follow the credit agreement.
- Life insurance protection (mandatory; fee according to provisions).
Fees & Credit Limit Terms
| Provision Fee | 3%* |
| Administration Fee | 0.5% – 2.5%* |
| Collateral Appraisal Fee | According to applicable rates |
| Stamp Duty | According to applicable rates |
| Notary Fee (SKMHT, HT, FEO) | According to applicable rates |
| Insurance Fee | According to applicable rates |
*The fees that apply to you are determined by the bank and communicated before the credit agreement is signed.
Requirements and Terms
- Fill out the provided Credit Application Form.
- Copy of ID Card of the Applicant and Collateral Owner, and of the Spouse if married.
- Copy of Family Card.
- Copy of Marriage Certificate (if married).
- Copy of Collateral Documents (Land Certificate, Vehicle Ownership Book, Vehicle Registration Certificate, Kiosk/Stall Ownership).
- Copy of savings account or other account statements for the last 3 months.
- Other supporting documents (pay slip, employment certificate, sales and expense receipts).
- Required to enroll in life insurance.
Investment Credit
Investment Credit is a credit facility provided to MSMEs or individual businesses, used to finance business expansion, procurement of machinery and raw materials, opening new factories, and establishing new projects.
Benefits & Advantages
- Supports business operations, including production, distribution, and procurement of goods/raw materials.
- Helps meet business working capital needs.
- Supports business network expansion.
- Helps with payment of business obligations.
- Credit application and approval follow credit analysis results and bank policy.
- Early repayment terms (including any penalty) follow the credit agreement.
- Life insurance protection (mandatory; fee according to provisions).
Fees & Credit Limit Terms
| Provision Fee | 1% – 3%* |
| Administration Fee | 0.5% – 2.5%* |
| Collateral Appraisal Fee | According to applicable rates |
| Stamp Duty | According to applicable rates |
| Notary Fee (SKMHT, HT, FEO) | According to applicable rates |
| Insurance Fee | According to applicable rates |
*The fees that apply to you are determined by the bank and communicated before the credit agreement is signed.
Requirements and Terms
- Fill out the provided Credit Application Form.
- Copy of ID Card of the Applicant and Collateral Owner, and of the Spouse if married.
- Copy of Family Card.
- Copy of Marriage Certificate (if married).
- Copy of Collateral Documents (Land Certificate, Vehicle Ownership Book, Vehicle Registration Certificate, Building Use Rights Certificate/Kiosk/Stall Ownership).
- Copy of savings account or other account statements for the last 3 months.
- Other supporting documents (pay slip, employment certificate, sales and expense receipts).
- Required to enroll in life insurance.
Consumer Credit
Consumer Credit is a credit facility provided by the bank to borrowers to finance consumptive needs, such as education costs, religious ceremony costs, home equipment purchases, and other consumptive needs.
Benefits & Advantages
- Helps meet your various consumptive needs.
- Credit application and approval follow credit analysis results and bank policy.
- Early repayment terms (including any penalty) follow the credit agreement.
- Life insurance protection (mandatory; fee according to provisions).
Fees & Credit Limit Terms
| Provision Fee | 1% – 3%* |
| Administration Fee | 0.5% – 2.5%* |
| Collateral Appraisal Fee | According to applicable rates |
| Stamp Duty | According to applicable rates |
| Notary Fee (SKMHT, HT, FEO) | According to applicable rates |
| Insurance Fee | According to applicable rates |
*The fees that apply to you are determined by the bank and communicated before the credit agreement is signed.
Requirements and Terms
- Fill out the provided Credit Application Form.
- Copy of ID Card of the Applicant and Collateral Owner, and of the Spouse if married.
- Copy of Family Card.
- Copy of Marriage Certificate (if married).
- Copy of Collateral Documents (Land Certificate, Vehicle Ownership Book, Vehicle Registration Certificate, Kiosk/Stall Ownership).
- Copy of savings account or other account statements for the last 3 months.
- Other supporting documents (pay slip, employment certificate, sales and expense receipts).
- Required to enroll in life insurance.
Professional Certification Credit
Professional Certification Credit is a credit facility provided to employees/teachers who have obtained educator certification and receive periodic certification allowances, used to meet the consumptive needs of prospective borrowers.
Benefits & Advantages
- Helps meet consumptive needs for employees/teachers who have obtained certification.
- Credit application and approval follow credit analysis results and bank policy.
- Early repayment terms (including any penalty) follow the credit agreement.
- Life insurance protection (mandatory; fee according to provisions).
Fees & Credit Limit Terms
| Provision Fee | 2.5% – 3%* |
| Administration Fee | 0.5% – 2.5%* |
| Stamp Duty | According to applicable rates |
| Insurance Fee | According to applicable rates |
*The fees that apply to you are determined by the bank and communicated before the credit agreement is signed.
Requirements and Terms
- Fill out the provided Credit Application Form.
- Copy of ID Card of the Applicant, and of the Spouse if married.
- Copy of Family Card.
- Copy of Marriage Certificate (if married).
- Copy of Educator Certification Document.
- Copy of savings account or other account statements for the last 3 months.
- Other supporting documents (pay slip and employment certificate/Decree).
- Required to enroll in life insurance.
PMI Credit (Indonesian Migrant Worker)
PMI Credit is a loan facility specifically intended for prospective Indonesian Migrant Workers (PMI), formerly known as Indonesian Labor (TKI), to finance departure for work abroad.
Benefits & Advantages
- Loan term of 12 to 24 months.
- Helps finance departure preparations; collateral requirements follow bank policy.
Fees & Credit Limit Terms
| Interest Rate | 20% – 24% per year (periodic evaluation) |
| Provision | 1% of credit limit |
| Administration | 2% of credit limit |
Requirements and Terms
- Prospective Indonesian Migrant Worker (PMI) with valid departure documents.
- Fill out the provided Credit Application Form.
- Copy of ID Card and Family Card.
- Complete supporting documents according to applicable provisions.
Unsecured Credit (KTA)
Unsecured Credit (KTA) is a credit facility provided by the bank to borrowers without having to submit assets as loan collateral. KTA is usually used for education costs, home renovation, working capital, and various other needs.
Benefits & Advantages
- Early repayment terms (including any penalty) follow the credit agreement.
- Life insurance protection (mandatory; fee according to provisions).
Fees & Credit Limit Terms
| Provision Fee | Rp 100,000 |
| Administration Fee | 2.5%* |
| Stamp Duty | According to applicable rates |
| Insurance Fee | According to applicable rates |
*The fees that apply to you are determined by the bank and communicated before the credit agreement is signed.
Requirements and Terms
- Fill out the provided Credit Application Form.
- Copy of ID Card of the Applicant, and of the Spouse if married.
- Copy of Family Card.
- Copy of Marriage Certificate (if married).
- Copy of savings account or other account statements for the last 6 months.
- Other supporting documents (sales and expense receipts).
- Required to enroll in life insurance.
Cash Loan
Bantu Saku Cash Loan is an unsecured credit facility from PT. BPR Mitra Bali Muktijaya Mandiri for individual customers, which can be used for both consumptive and productive needs. Applications are submitted through the Bantu Saku app.
Benefits & Advantages
- No asset collateral.
- Application is submitted through the app.
- Document requirements according to provisions (see below).
- Repayment term of up to 3 months.
- Apply through the app on Google Play Store and the App Store.
Fees & Credit Limit Terms
| Credit Limit | Rp 1,000,000 up to Rp 50,000,000 |
| Term | Up to 3 months |
Credit limit is subject to analysis results and applicable provisions.
Requirements and Terms
- Valid Identity Card (KTP).
- Willing to undergo SLIK checking as part of the credit analysis process.
- Unsecured — the application still considers the customer's payment capability and eligibility.
*To prospective customers and/or customers: the Product used is a follow-up product that is currently being trialed and has not yet obtained approval from the Financial Services Authority (OJK).
Important Information
- Interest rates, fees, and credit approval follow credit analysis results and bank policy. The applicable interest rate is the one stated in the credit agreement.
- The fees that apply to you (provision, administration, and others) are communicated before the credit agreement is signed.
- Please read and understand the credit agreement, including your rights and obligations, before signing.
- Late or missed payments may affect your credit record (OJK SLIK) and, for secured credit, may result in seizure of the collateral.