Mudharabah financing to employee cooperatives with the executing pattern to be re-channeled in the form of financing to its members.


  • Financing ceiling up to 150 million rupiahs per cooperative member.
  • Duration of up to 5 years.
  • Light installment.
  • No down payment.
  • No additional guarantees from the cooperative members are required.

Terms and Conditions

  • Kopkar from government agencies, BUMN / BUMD, multinational companies, or bonafide private companies.
  • Have business legality (SIUP, TDP, SITU) and NPWP
  • Have business establishment legality and licensing according to type of business activity.
  • The Kopkar level is at least healthy enough.
  • Not included in Bank Indonesia Black List.