Lending

Investment Credit

BNI understands that the growth of your business is related to investments thatyou make. The solution BNI would like to provide is Investment Credit, which isdefined as medium or long-term loans to complete your company’s investments.

Advantages of BNI’s Investment Credit :

• It can be utilized for the purchase of capital goods and services which arerequired to establish new projects, current project expansions,modernization, rehabilitation, project relocations or refinancing goods thathave been paid for in advance.
• The credit time limit can be adjusted according to the business ability ofthe customer.
• Competitive interest rates.
• Credit liquidation advantages and other transactions, supported by BNI’snationwide network.

Requirements :

• Complete permits/business legality that is still valid according to its lineof business.
• The business has been operational for at least 2 (two) years for the mediumbusiness segment and 3 (three) years for cooperatives.

For further information about our products, please contact BNI Call1500046.

*Other data/requirements depend on the credit process needs.

Kredit Kepada Lembaga Keuangan (KKLK)

As evidence of BNI’s support towards the growth of financial institutions inIndonesia, BNI provides payment solutions in the form of Loans to FinancialInstitutions (KKLK). Loans to Financial Institutions (KKLK) are creditfacilities provided to or through Financial Institutions to be loaned to endusers, which are completed through strategic alliances (cooperation).

Advantages :

• BNI networks available throughout Indonesia.
• Competitive interest rates with a system of effective interest calculations,annuities or flat.

Requirements* :

• Complete permits/business legality that is still valid according to its lineof business.
• The business has been commercially operational for at least 3 (three) years.

For further information about our products, please contact BNI Call1500046.

* Other data/requirements depend on the credit process needs.

BNI Wirausaha (BWU)

For you, the entrepreneurs who need investment loans and flexible working capitalloans to develop your business, apply for BNI Wirausaha now and also credit fromBNI for small businesses with credit facilities up to Rp 1billion. BNI Wirausaha supports your business through the provision ofproductive business loans to individuals and legal entities, which include alleconomic sectors that are feasible to be financed.

Advantages of BNI Wirausaha (BWU) :

• Quick process and easy requirements.
• Longer credit period of up to 10 years.
• Competitive interest rates.
• Flexible installment payment.
• Maximum credit limit of up to Rp 1 billion.
• Can take over credit from other banks.

Requirements :

• Indonesian Citizen (WNI).
• Business has been running for at least 1 year.
• Minimum age 21 years (or married).

For more information on our products, please contactBNI Call 1500046 oraccess eform.bni.co.id

* Other data/requirements are according to the needs of credit process.

Kredit Usaha Rakyat (KUR)

BNI can provide financing to your business that is feasible but does not yet havecollateral according to the Bank's requirements.

Find the solution with Kredit Usaha Rakyat which can be provided to :

• Prospective debitors of Micro, Small and Medium Enterprises.
• Prospective Indonesian workers who will work overseas.
• Prospective interns abroad.
• Family members of employees who have a steady income or work as IndonesianMigrant Workers (PMI).
• Indonesian workers who complete their contract from working abroad.
• Workers affected by employment termination.
• Micro, small and medium enterprises in the border region with othercountries.
• Business groups such as joint business groups (KUBE), joint farmer andfishermen groups (Gapoktan) and other business groups.
• Retired Pegawai Negeri Sipil (PNS), Retired Tentara Nasional Indonesia (TNI), and Retired Police of Republic Indonesia (POLRI)
• Not an Active Aparatur Sipil Negara (ASN), TNI, and POLRI

In 2022 Kredit Usaha Rakyat prioritize several production sector such as

• Agriculture, Hunting, and Forestry Sector
• Maritime and Fishing Sector
• General Manufacturing Sector
• Construction Sector
• People's Salt Mining Sector (Pertambangan Garam Rakyat)
• Tourism Sector
• Production Sector, and/or
• The Other General Production Sector

Privileges :

• Simpler and faster credit process with affordable interest rate.
• Interest Rate 6% eff p.a
• Can be used to increase business capital and investment credit.
• Repayment period of up to 5 (five) years.
• BNI's network is spread throughout Indonesia.

SUPER MICRO KUR

• Maximum : up to Rp 10,000,000.-.
• Loan term of up to 3 years (working capital credit), up to 5 years(investment credit).
• Administration requirements : e-KTP (KTP), Family Card, Business License from Village Office/Sub-Regency Office.
• Collateral : not required.

MICRO KUR

• Maximum : >Rp. 10.000.000,- up to Rp 50,000,000.-.
• Loan term of up to 4 years (working capital credit), up to 5 years(investment credit).
• Administration requirements : e-KTP (KTP), NPWP (for KUR > Rp. 50 Million) Family Card, Business License from Village Office/Sub-Regency Office.
• Collateral : not required.
• Interest rate : 6% eff p.a.

SMALL KUR

• Maximum : > Rp 100,000,000.- to Rp 500,000,000.-.
• Loan term : up to 4 years (working capital credit), up to 5 years(investment credit).
• Administration requirements : e-KTP (KTP), NPWP, Family Card, Business Certificate from Village Office/Sub-RegencyOffice.
• Collateral : adjusted to BNI’s terms.
• Interest Rate : 6% eff p.a.

KUR for Indonesian Workers Placement (PMI)

• Maximum : up to Rp 100,000,000.-.
• Loan term : adjusted to the maximum employment contract period of 3 years.
• Administration requirements : e-KTP (KTP), Family Card, Business License.
• Collateral : not required.
• Placement country destination : Singapore, Malaysia, Hong Kong, Taiwan,South Korea, Japan.
• Interest Rate : 6% eff p.a.

General Requirements for Micro KUR, Small KUR, KUR PMI and Special KUR * :

• Not receiving business/productive credit facilities from other banks and ornot currently receiving Credit Programs from the Government (except KUR atBNI).
• Can be receiving KUR credit at BNI and/or consumer credit (KPR, vehicleleasing, credit cards and warehouse receipts) with current collectability.
• Experienced in the business field for at least 6 (six) months.
• Aged minimum 21 years or married.
• Not included in Bank Indonesia black list and not listed asbad/non-performing debtor.

For more information on our products, please contact BNI Call 1500046 oraccess eform.bni.co.id.

* Other data/requirements are according to the needs of credit process.

Two Step Loan

BNI understands the need for investment financing for industrial projects ownedeither by private, governmental or PMA/joint venture enterprises whose produceis in the form of exportable and/or non-exportable commodities. BNI offers a TwoStep Loan solution that can be used to finance investments in productionfacilities, processing facilities, support facilities for new projects,expansions, modernization or even rehabilitation.

Advantages :

• The credit time limit can be adjusted according to the business ability ofthe customer.
• Competitive interest rates.
• BNI networks available throughout Indonesia.

Requirements* :

• Complete permits/business legality that is still valid according to its lineof business.
• The business has been operational for at least 2 (two) years for the mediumbusiness segment and 3 (three) years for cooperatives.
• Other requirements are tailored to the TSL type.

For further information about our products, please contact BNI Call1500046.

* Other data/requirements depend on the credit process needs.

Two Step Loan - IEPC 2

Is your business orientated towards an efficient and environmentally friendlyindustry and is in need of financing? BNI offers a financing solution throughthe Two Step Loan – IEPC 2 scheme which provides investment credit and workingcapital towards small and mid-sized businesses in order to finance businesseswhich are orientated towards the industry’s efficiency and an environmentalfriendly production system.

Advantages :

• Can be provided to individuals, small business groups, cooperatives orentities that are planning investments in environmental equipment purchasesand working capital that is related to the investment.
• Competitive interest rates.
• BNI networks available throughout Indonesia.

Requirements* :

• Complete permits/business legality that is still valid according to its lineof business.
• The business has been operational for at least 2 (two) years for the mediumbusiness segment and 3 (three) years for cooperatives.

For further information about our products, please contact BNI Call1500046.

* Other data/requirements depend on the credit process needs.

Kredit Beragun Deposito Berjangka

Are you currently in urgent need of funds to expand your business? BNI offers asolution in the form of Deposit Backed Loans which is a credit facility providedto entities that are regulated by law (except for foundations or cooperatives)with collateral only in the form of time deposits.

Advantages :

• Helps companies (deposit holders) receive credit without having to liquefytheir deposit.
• Can be used for all purposes (free use).
• BNI networks available throughout Indonesia.

Requirements* :

• Guaranteed deposits are as follows:
• Deposits (with the same currency) on behalf of the applicant, owner ormanager of the company or enterprise groups.

For further information about our products, please contact BNI Call1500046.

* Other data/requirements depend on the credit process needs.