SiUMI Loan

To increase economy productive sector, especially via Micro, Small & Medium Enterprises, Bank Jatim launch SiUMI (Siklus Mikro Kecil) Program. This Program is bundling from Tabungan SiUMI dan Kredit SiUMI.

SiUMI program intends for Small Micro Enterprise Doer (PUMK) who has had a Small Micro License (IUMK) released by the local government. PUMK can open SiUMI Savings equipped with a SiUMI ATM card. Furthermore, the SiUMI ATM card can access Bank Jatim banking services such as loans and other banking services.

Sector Financed

All productive enterprise which recognized proper, based on the principles of the health banking and credit, include :

  • Trading Business
  • Industrial Business
  • Agriculture / horticulture / fishery / livestock Business
  • Service Business

Credit Si UMI to employees with fixed income Financed Sector
Fixed income employees who have productive businesses include :

  1. PNS/ BUMN/BUMD Employee
  2. Legislative member.
  3. Retired PNS, BUMN / BUMD employees.
  4. Private Employees where the agency has made a Multipurpose Credit MoU with Bank Jatim

Term & Conditions

  • Do not have credit arrears from banks or non-bank financing institutions that can be proven through debtor information (SILK)
  • Credit for business development in the agribusiness sector, must submit:
    1. Proof of land ownership if the land belongs to itself;
    2. Lease agreement known to the local Village Head if the land does not belong to himself

Interest Rate

  • Low, competitive, and attractive interest rate


  • Up to IDR500.000.000,- per debtor

Time Period

  • PNS, BUMN / BUMD employees maximum 15 years;
  • Retired civil servants, BUMN / BUMD employees for a maximum of 10 years;
  • Members of the legislature have a maximum of the remaining term of service;
  • Private employees maximum 5 years

Credi Guarantee

  • Main Guarantees :
    • Feasibiltiy business
  • Additional Guarantees :
    • First Appointment and SK last position
    • Must be insured against an insurance company that collaborates with Bank Jatim;
    • Power of Attorney to debit the salary account in the name of the debtor to the Bank to ensure the UMI Credit facility runs smoothly until paid off

Application Files Completeness

  1. Recent photograph size 4x6 in 2 (two) pieces;
  2. Copy of ID card (KTP / SIM) and Tax Identification Number (TIN);
  3. Copy of Family Structure Card (KSK)
  4. Copy of married certificate or unmarried certificate;
  5. Letter of death / divorce if it had been a widow/widower;
  6. Proof of additional collateral ownership;
  7. Copy of savings book / savings account at least 3 months recent;
  8. The financial report;
  9. SiUMI Card;
  10. Micro Small Enterprise license / Reference Letter of the village head or head of market / SIUP / TDP;
  11. Special for the fixed income debtor employee candidate and their families who have a productive enterprise, must complete these requirements:
    1.Copy of Reference Letter of assignment permanent employee and copy of the last Reference Letter.
    2.Recomended letter from head of company
    3.Reference Letter of the amount of salaries / income debtor candidate from treasurer or head of company
    4.Power of attorney deduct salaries the debtor
    5.Loan list Reference letter from debtor

Terms, conditions/for more information about our products, please contact Info Bank Jatim 14044 or visit branch offices Bank Jatim.

PNS, BUMN / BUMD employees maximum 15 years;    

2. Retired civil servants, BUMN / BUMD employees for a maximum of 10 years;    

3. Members of the legislature have a maximum of the remaining term of service;    

4. Private employees maximum 5 years