Working capital financing with murabahah, mudharabah or musharaka contracts to meet customers' business needs such as: the raw material purchase inventory for the production process, the merchandise inventory purchase, or the working project implementation capital under the employment contract.


  • Financing ceilings as needed.
  • Term of financing up to 5 years.
  • Installment or profit sharing lightly.
  • Applicant may be a business entity (PT, Foundation, Cooperative, BUMN, BUMD, CV, UD) or individual.

Terms and Conditions

  • Have business legality (SIUP, TDP, SITU) and NPWP.
  • Have the business establishment and licensing legality according to type of business activity.
  • Not included in Bank Indonesia Black List.
  • Submit financial statements of the last two years.
  • Submit bank account copy last 3 months for financing ceiling of 200 million rupiahs and above.