Maxi Mikro : SMBC Indonesia

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Maxi mikro

Maxi Micro

Business management and planning requires management. To ensure your business is well managed and your business development plan runs smoothly, we provide Maxi Micro Loans.

Product Overview

Maxi Micro loans can be used for managing and planning large-scale businesses such as expanding business premises, purchasing raw materials to expanding warehouses, all of which require additional capital which is often larger than the initial plan.

Summary of Product Information

Requirements & Procedures

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

Individuals, with notes:
- Including UD, PD, Shop
- Indonesian citizens domiciled in Indonesia
- Minimum age 21 years or 18 years if married
- Maximum age of debtor can be set, can be ignored if there is a succession plan.
- 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.
Business Entity: CV, PT

Documents that must be fulfilled are:

Identity Document
- Individual : e-KTP
- Business Entity: proof of endorsement of business entity, company articles of association
NPWP & Business Permit
Financial Documents, Sale and Purchase Notes, Financial Statements & Bank Account
Collateral Documents : SHM/SHGB/SHM Sarusun

Prospective debtors have collateral to guarantee financing in the form of vacant land, land & buildings, flats/apartments.
Loan applications are submitted through the nearest SMBC Indonesia branches/sales channel.

Notes:

Each 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 data and/or information provided are correct in accordance with what was notified and submitted, and frees SMBC Indonesia from any loss, claim or lawsuit 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 nearest SMBC Indonesia branch officer

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 ”