Kredit Modal Kerja

Working Capital Loan

A Working Capital Loan is a financing facility in Indonesian Rupiah (IDR) or foreign currency that is intended to finance, among other things, inventory/receivables/projects.

Key features

1. Purpose : Financing working capital needs with underlying inventory/ receivables.
2. Tenor : Maximum 1 (one) year and extendable.
3. Currency : Rupiah and foreign currency available to the Bank.
4. Financing limit : In accordance with borrower’s working capital needs.
5. Collateral :
  • Funded inventory/receivables.
  • Other additional collateral.

Benefits

Supports working capital requirements as per business needs.

Fees & Other Charges

  1. Provision.
  2. Administration.
  3. Interest rate calculated based on loan's outstanding balance.

Terms & Conditions

  1. Good credit rating in banking sector.
  2. Not on the National Blacklist (DHN).

Risks

Delays in payment of obligations (interest/principal) will be recorded in the Financial Services Authority (OJK)'s SLIK system.

Additional Information

Any other matters not covered here will be governed by the applicable regulations of PT Bank Mandiri (Persero) Tbk.

Simulasi

Sample interest calculation simulation:

• Facility Type : Working Capital Credit (KMK)
• Credit Limit : 2 billion
• Outstanding balance : 1 billion
• Assumed interest rate : 10% per annum
• Assumed days per month : 30 days
Total interest/month = outstanding balance x interest rate x 10% x 30/360
Total interest/month = IDR 1 Billion x 10% x 30/360
Total interest/month = IDR 8,333,333

Disclaimer

  1. This Product and Service Information Summary ("Summary") is for informational purposes only and is not intended to serve as an official offer of any product and/or service. In case of discrepancies between this Summary and the agreement and/or terms and conditions related to the product and/or service ("Agreement"), the Agreement shall prevail.
  2. PT Bank Mandiri (Persero) Tbk. reserves the right to reject your product and/or service application if it does not meet the Bank's requirements and applicable regulations.
  3. You must read this Summary carefully, and should contact the Bank if you have further questions about the products and/or services mentioned in this Summary.
  4. This Summary complies with the regulatory requirements, including the regulations issued by the Financial Services Authority (OJK).