Kredit Rekening Koran (KRK)


Kredit Rekening Koran is a short-term working capital loan facility where funds is available in J Trust Bank’s customer accounts. Withdrawal of funds can be made at any time with scrap (checkbook / transfer form (BG)). This loan is revolving, 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.

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

  • Provides convenience in conducting business transactions with customer's business partners

  • Withdrawals can be made at any time

  • Competitive interest rates

  • Repayment at credit maturity

  • Interest can be paid according to the debt tray used.



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

  • The Customer may apply extension facility request.



  • 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% from total loan amount (or in accordance with applicable regulations)

  • Administration fee

  • Notary Fee

  • Insurance Fee

  • KJPP fee if the credit is more than 5 billion

  • Loan Amount more than 5 billion, Independent Appraisal is required



  • If the fund is not available when the withdrawal of clearing scrap (Checkbook/Transfer Form (BG)), then there will be a clearing rejection and may affect the Customer’s track record on the blacklist of Bank Indonesia.

  • 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.

  • If the credit facility is due dated and the Customer fails to pay the basic fund and the interest, then it will affect the Customer’s credit quality recorded in Bank Indonesia and the loss of higher interest payment above the normal interest, calculated by all the debt trays.

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