Term Loan : SMBC Indonesia

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Term Installment Loan

We understand that businessmen always try to upgrade their competitiveness and products. Middle- and long-term installment loans are one of the solutions to help expand our customers’ businesses. To answer the customer’s needs, we offer the Term Installment Loan (PAB) which can be used to:

Financing our customers in middle- or long-term investment, which does not only cover purchasing land and building, commercial vehicle and machineries
Refinancing capital expenditure
Providing permanent business capital which is not limited only for business expansion or rejuvenation

Product Overview

Up to a maximum of 84-month installment, depending on the financing purpose
Partially or fully withdrawal can be done according to the purpose by informing the bank in advance
Monthly installment (debt principal and interest)
For further information, please contact Relationship Manager at the nearest SMBC Indonesia office.

For further information, please contact Relationship Manager in nearest SMBC Indonesia branch office.

Click here to download Product Information Summary

Registration Procedure

Submit the credit application documents (see attachment)
Debtor’s business has been going on for three years
Debtor’s business is excluded from the industry which cannot be financed according to SMBC Indonesia policy and/or included in the industry target which cannot be financed according to SMBC Indonesia policy
Debtor is not categorized as troubled debtor based on the Bank Indonesia checking result and/or from the Financial Service Authority (OJK).
Debtor is not blacklisted by the Bank Indonesia and/or OJK
Debtor has no records of non-performing loans with SMBC Indonesia
Debtor hands over collateral according to the SMBC Indonesia approved collaterals namely a plot of land and its building, a plot of land, vehicles, machinery, goods inventory and account receivable
Debtor is qualified during the credit analysis process based on SMBC Indonesia policy
Debtor opens a business giro account at the SMBC Indonesia

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 ”