Kredit Angsuran Berjangka (KAB)


Working Capital Loan Facility, it can be utilized for purchase of capital goods, project expansion, renovations and refinancing for construction / renovations / business premises that is repaid in monthly installment according to the approved loan term. Withdrawal of funds can be gradually or at once according to the debtor's business / working capital needs.​​


  • Flexible working capital to match the customer’s business cash flow.

  • Solutions for debtors who wish to pay in installments on their working capital facilities.

  • Non Revolving Facility.

  • Competitive interest rates

  • Productive assets as main collateral

  • Bigger loan limit/plafond (according to each line of business / LoB)

  • Available for new units, used units & refinancing



  • Loan Term/Tenor can be more than 12 months from the signing of the Credit Agreement

  • Maximum Loan term is adjusted to the term of the underlying transaction

  • Loan Term/Tenor up to 5 years


The business has been operating at least 2 years for small or medium-sized enterprise and 3 years for corporation



  • Bank provision fee is 1% of the credit limit

  • Fee for full repayment before maturity is 2% from total loan amount (or in accordance with applicable regulations)

  • Administration fee

  • Notary Fee

  • Insurance Fee

  • KJPP fee if the loan is more than 5 billion

  • If Loan amount more than 5 billion, Independent Appraisal is required​



  • If the interest payment is late, then it will affect the customer's credit quality recorded at Bank Indonesia and will be subject to a fine.

  • There is a possible risk of interest rate increase following the applicable market mechanism in accordance with Bank regulations.