Linkage Program BPR PERBAMIDA & PERBARINDO For The Employee Loan
- Loan Target
BPR Employee - Interest Rate
Interest rate is according with the applicable regulations - Time Period
Maximum 10 (ten) years - Loan Guarantee
Asset replacement or loan nominative list that given is minimum 100% (one hundred percent) of the credit principal and tied Fiduciary - Loan Application Requirements
- BPR must be operational at least 3 (three) years which evidenced by operational license from the Ministry of Finance / Bank Indonesia / Financial Services Authority;
- The healthy level of BPR Perbarindo is “HEALTHY” and the healthy level of BPR Perbamida at least “HEALTHY ENOUGH”;
- Submit a Bank Indonesia’s monthly report last recently month;
- Submit a copy of monthly report (last recently month) to the Ministry of Finance;
- Submit a business plan or work plan last recently year;
- The change of to the business plan that has been approved by Bank Indonesia should be submitted to the Bank;
- The Capital Adequacy Ratio (CAR) at least 12% (twelve percent);
- Non Performing Loan (NPL) net ratio is not more than 5% (five percent) according to Bank Jatim’s calculation
- BPR and BPR boards have not credit arrear evidenced with Debtor Information System report.