Kredit Rekening Koran (KRK)


Kredit Rekening Koran is a short-term loan facility for working capital that provides convenience for customers by providing funds in J Trust Bank’s customer accounts. Withdrawal of funds can be made any time by the customer by using drafts (check / bilyet giro). This loan is revolving in nature, allowing customers to make repeated payments and withdrawals according to the approved loan limit.



  • Credit payment and withdrawal can be made repeatedly, the credit balance is dynamic according to the amount of funds used and paid.

  • More flexible financing for working capital according to business cash flow

  • Provides convenience in conducting business transactions with customers' business partners

  • Withdrawals can be made at any time

  • Competitive interest rates

  • Repayment at credit maturity

  • Interest is paid according to the outstanding principal / loan ceiling used



  • Maximum of 12 months from the signing of the Credit Agreement

  • Customers can apply for facility (period) extension



  • Individual or Business Entity

  • The business has been operating for a minimum of 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% of loan ceiling (or in accordance with applicable regulations)

  • Administration fee

  • Notary Fee

  • Insurance Fee

  • KJPP fee if the credit is more than 5 billions

  • For loan ceiling more than 5 billions, Independent Appraisal is required



  • If funds are not available at the time of withdrawal using clearing draft (check / Bilyet Giro), clearing refusal will occur and may affect the customer's track record on the Bank Indonesia’s black list.

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

  • If at the maturity date of the credit facility, the customer is unable to pay the loan principal and interest, it will affect the customer's credit quality recorded at Bank Indonesia and loss will be incurred from paying interest that is much higher than normal interest calculated from the entire loan outstanding principal.

  • There is a risk of a possible increase in interest rates following the applicable market mechanism.