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Digital Micro Flexi Cash

Managing business activities is not easy, especially maintaining a smooth cash flow. More often than not, unexpected things occur such as damage to raw materials, increasing stock of goods according to the season, increasing the number of requests, leakage of business premises, and other things or even unexpected things outside the business, such as house renovations, educational needs and any other needs that we often do not predict.

Product Description

Digital Micro Loan can help you maintain smooth cash flow management afloat during the course of unexpected events.

Summary of Product Information

Terms and Conditions

Filling in the loan application form
Prospective debtors must meet the main requirements to obtain financing facilities, including, but not limited to:

Indonesian citizens.
21-60 years old.
Have an E-KTP.
The business of the prospective customer is not included in the type of industry that cannot be financed based on SMBC Indonesia's policies.
Prospective customers are not included in the category of debtors who have non-performing loans based on the results of checking with Bank Indonesia and/or OJK.
Prospective customers are not included in the black list of Bank Indonesia and/or OJK.
Prospective customers have never received a loan at SMBC Indonesia which is classified as problematic.
Prospective customers pass the credit analysis process in accordance with applicable policies at SMBC Indonesia.
Prospective customers open a checking or savings account at SMBC Indonesia.

3. Documents that must be met are:

E-KTP
Electricity Account
NPWP (for loans above IDR 50 million)

4. Procedures:

Prospective Customers who comply with the requirements above can apply for Digital Micro Flexi Cash to the SMBC Mikro Sales Personnel
Prospective customers fill in the submission data on the sales platform link sent to the prospective customer's email.
Applications for Digital Micro Flexi Cash will be processed immediately after the prospective customer submits data on the link sales platform.
Prospective customers will receive notification of approval or rejection via email and SMS.
If the prospective customer already has a Jenius account, the prospective customer can immediately approve the loan limit offered in the Jenius application.
If the prospective customer does not have a Jenius account, the prospective customer must open a Jenius account and agree to the loan limit offered in the Jenius application.
Customers are required to maintain the smooth payment of installments every month.

Notes

Every application that meets the requirements above will be processed based on the applicable provisions at SMBC Indonesia. The
Debtor is required to provide the required and required data and/or information and ensure that the correctness of the data and/or information provided is in accordance with what was notified and submitted, and frees SMBC Indonesia from all losses, claims or lawsuits that may arise in the future on the data and/or information provided by the debtor.
If a more complete explanation is needed regarding loan product information and or if there are complaints/complaints, please contact the bank staff at the nearest SMBC Indonesia branch

Significant Impact

Our empowerment program is an integrated element to our business model. We will always try to create opportunities for all SMBC Indonesia customers to grow and make a more meaningful life through our products and activities.

Erna Zurnimawati

"While being a customer of Bank SMBC Indonesia, I have been guided by the Daya team, starting from exhibitions, coaching, and many online and offline training sessions. I have also received orders from SMBC Indonesia itself"

Siti Rochanah

"I am able to manage my business finances and its online store as taught by Daya, and am often invited to participate in various exhibitions. The pinnacle of my achievement was being introduced to President Joko Widodo at an exhibition held by SMBC Indonesia, and my product, Iwaknyuzz, received an appreciation from him"

Adam Abdullah

"Through the Daya program, we also received capital support that helped us increase production capacity even further, through an easy and non-burdensome capital scheme. This business easily obtains adequate and measurable capital according to the capacity and ability of the business. We are grateful that WGB is now a market leader in the plus-size men's retail clothing business"

Agnes Sukenty Niken

“After receiving personalized coaching for 6 months from Daya SMBC Indonesia, starting from creating a business plan, ensuring the supply chain of raw materials, and scaling up the business itself. It turns out that running this business involves so many things that I had not previously thought. As of now, Ing Pawon's products are available in various modern retail outlets from Papua to Sumatra ”