• Maximum Credit Limit is Rp.75.000.000 or 70% of the receipt value.
• Credit repayment period is adjusted to the farmers’ needs for maximum 6 months
• Free administrative, provision and commitment fees
• Stamp fee based on applicable regulations
• Warehouse Receipt as Collateral

• At least 21 years or married, own a productive business activities in agricultural sector
• Farming activities for working capital purposes
• Not currently participating in a government program credit facility
• Not listed on the Bank Indonesia’s Black List and not indicated to have non-performing loans either as individuals or business entities
• Have no negative information and not involved in legal issues

• Members with productive business activities in agricultural sector
• Have at least active members of the chairman, secretary and treasurer
• Have group rules that agreed upon by all members

• Legal entity
• Have an active board
• Meet the Bank’s technical requirements
• Members consisting of farmers
• Own business in the agricultural sector and / or food procurement

• Copy of applicant's ID card and spouse for married ones
• Copy of valid Family Certificate (KK)
• Copy of Marriage Certificate
• Passport photo of applicant and spouse (size 3x4, @1pc)
• Signed and stamped statement letter as a farmer, recognized by the local Village Head

• Signed and stamped statement letter as a farmer and recognized by;
  • Village Head (Lurah) if the farmer is domiciled in one Village (Kelurahan)
  • Sub-district Head (Camat) if the farmer is domiciled in one sub-district
  • Related Agency Service if the farmers are domiciled in several districts within one city
  • The composition of active farmer group management consists of at least the Chairperson and Secretary or Treasurer
• Power of attorney from Farmer Group’ members who appoint Group Chairpersons from members
• Combined farmers group’ rules that agreed upon all members

• Signed and stamped statement letter as a farmer and recognized by;
  • Village Head (Lurah) if the farmer is domiciled in one Village (Kelurahan)
  • Sub-district Head (Camat) if the farmer is domiciled in one sub-district
  • Related Agency Service if the farmers are domiciled in several districts within one city
  • The composition of active farmer group management consists of at least the Chairperson and Secretary or Treasurer
• Power of attorney from Farmer Group’ members who appoint Group Chairpersons from members
• Combined farmers group’ rules that agreed upon all members

• Ratification letter of the Cooperative Legal Entity from the authorized Agency
• Articles of Association and Bylaws which include business activities in agricultural sector
• List of members consisting of farmers
• Copy of Valid ID Card (KTP)/other valid identity on behalf of all management boards
• Copy of valid permits or legality of all business owned
• Copy of Annual Member Meeting results (at least for the last 2 periods) and Management Composition that has been legalized by authorized agency * For more inquiry, please contact the nearest bank bjb Branch Office.

6% effective per year

Maximum 6 Months