Kredit Pengusaha Unggulan (KPU)

1. Manage the smoothness and flexibility of the debtor’s cash flow.
2. Increase sales and revenue of the debtor.
3. Credit facilities with bigger credit limit (maximum 100% from the market value).

Intended for debtor candidate;

1. Individual-Indonesian Citizen owning a business or business entities (PT/CD/UD, non-foreign investment).
2. Loan application amounting to Rp 500.000.000,- up to Rp 5.000.000.000,- for the debtor’s business financial needs.
3. New debtor candidate with fully secured guarantee (minimum 100% Collateral Coverage, Market Price).

KPU provides 2 types of credit facilities, which are:

1. KRK is a revolving facility where the withdrawals and repayment of the loan principal can be done repeatedly during credit period.
2. KAB is a non-revolving facility where the withdrawals and repayment of the loan principal can only be done once during the facility, and need to comply with the following conditions:

Disbursement of the loan principal can be done all at once from the loan account to giro account of the debtor’s operational.

Repayment of the loan principal can be done in installment scheme.

Maximum tenor for KRK is 1 year and can be extended, the extension can be performed if the debtor can fulfill renewal qualification such as: meet the terms and conditions of granting credits, meet the document requirements, meet the RAC requirements.

Maximum tenor for KAB is 5 years.

Interest Calculation Simulation with the assumption:

1. Debtor must fill out an Application Letter and submit documents required to the AO (Account Officer) or to the nearest J Trust Bank Branch Office.
2. Individual (WN) or company (PT) or Comanditaire (CV) under the laws of the Republic of Indonesia.
3. Debtor is not blacklisted by Bank of Indonesia.
4. Debtor must be categorized as ‘Kredit Lancar’ (Performing Loan) on BI Checking category.

1. Copy of Applicant’s Tax ID Card (Individual or Company)
2. Copy of Applicant’s ID (Individual or Company)
3. Copy of Marriage Certificate and Family Registration Card (Individual)
4. Copy of Company Establishment Deed and it’s amendment including Copy of Ministry of Justice approval Deed (company).
5. Copy of Business License (i.e: SIUP, TDP)
6. Copy of Business Location License (i.e.:SITU, SKDU)
7. Copy checking account/business operational savings account
8. Copy of Financial Report

Types of fees to be charged to the customer for the facilities provided by banks are :

1. Interest Charge
2. Provision Charge
3. Administration Fee
4. Late Charge

Further detail on fees charged to the debtor will refer to the applicable provisions in J Trust Bank and will be informed through the Loan Agreement Document.

Information on Prime Lending Rate applied can be seen any time on publication at any J Trust Bank Branch Offices and or Official J Trust Bank website.