Mandiri BPR Partner (BM2)

(BPR = People’s Credit Banks)

Are credits provided to the People’s Credit Banks (BPR) with Executing, Sharing dan Channeling Patterns.

  • Executing Pattern is credit provision from Bank Mandiri to BPR.
  • Channeling Pattern is the form of cooperation between Bank Mandiri with BPR in providing KUK (Small Scale Enterprises Credit) and Consumptive Credit to Debtors, where all the financing came from Bank Mandiri and BPR is only as a channeling agent.
  • Sharing Pattern is the form of cooperation between Bank Mandiri with BPR in jointly financing KUK (Small Scale Enterprises Credit) and Consumptive Credit to Debtors, where financing come from Bank Mandiri and BPR according to part or share of financing of each party.

Requirements :

  • For BPR :
    • Health Level (TKS) of BPR according to assessment by Bank Indonesia min. “QUITE HEALTHY” for the last 6 months and 1 period.
    • Non Performing Loan (NPL) of maximum 8 %.
    • Willing to operate the Linkage Program.
    • Business legal documents (such as : NPWP, SIUP, TDP).
  • For Individuals :
    • Indonesian Citizens aged 21 to 60 years.
    • Individual legal documents (National ID Card (KTP) / Family Card (KK) / Marriage Contract, etc.).
    • Salary slip.

Credit Features :

No. Description People’s Credit Banks Individual

1

Type of Credit

Revolving

According to BPR’s stipulations

2

Credit Limit

Accordint to TKS BPR

Rp 5 Million s/d Rp 100 Million

2

 

Period

 

Up to 3 years with 6 months grace period

Between 1 year to 3 years

 

3.

Credit Purpose

Investment and/or Working Capital Credit

Investment /Working Capital / Consumptive Credit

Benefit :

  • Credit is directly transferred to the savings account of customer in BPR.
  • The unused portion is not charged with interest.
  • Installment plan to be determined based on stipulations in each BPR.
Mandiri BPR Partner (BM2)