Partnership and Environment Development Program (PKBL)

State-Owned Company’s Partnership Program is a special program designed to support and increase Micro Business’ capability to be independent through fund utilization of State-Owned Company’s net profit.. Environment Development Program is a special program to empower public social condition in State-Owned company’s business area through fund utilization of its net profit.

Requirements :

  • Complying the criteria of Small Business.
  • Never receive any loan facilities from Bank Mandiri or other bank, or other State-Owned Company.
  • Having business that already existed at least 1 year and it has prospect to be developed.
  • Priority given to micro business and cooperatives that has no bank access (not yet bankable), having annual assets/turnover below Rp 50 Million or not having enough collateral.

Credit Features :

  • Maximum loan limit is Rp 20 million for individuals and maximum Rp 40 million for cooperatives.
  • It can be used for Investment and/or Working Capital purposes.
  • Minimum self financing is 25%.
  • Maximum period for debt settlement is 5 years.
  • Low and stratified interest rates according to credit limit.
  • Main collateral is the project/business itself and additional collateral would be needed only if the bank requires.

Benefit :

  • Low interest rate.
  • Easy credit requirements.
  • Light collateral.
Partnership and Environment Development Program (PKBL)