Term of the Loan on the Micro Banking

1. Target Market, Micro banking Debtor is a trader or businessman or entrepreneur
2. Residency and citizenship, Indonesia citizens who remain domiciled in the country in the union republic Indonesia
3. Destination Loan, Centers is the purpose of the loan however, is suggested as working capital or business investment was related to potential business micro banking debtor
4. Business Ownership Business, which must be financed property debtor
5. Business Places, business are owned by prospective borrowers, the wife / husband prospective borrowers, parents / prospective debtor law, children uterus prospective debtor, except in the community then the market can be a right or permission to use trademarks or similar that can be extended
6. Phone Number, It is expected that prospective borrowers have a phone number that can be contacted either fixed network (fixed line) or wireless network (Hand Phone etc.)
7. Track record, Branch / unit must ensure that prospective borrowers, or husband / wife or business (if have) already have a loan in place, and check loans that for consideration in the analysis credit
8. Verification, Conducted verification of all information and results are listed on the verification of all documents credit
9. Determining the amount of loan, Determining the loan amount is determined based on ability to pay back (IDIR) and working capital needs (WI), if necessary by considering the application and prospective micro banking debtor or guarantee.
10. Credit Agreement, Credit agreement must be signed by prospective borrowers and the Bank
11. Business Type avoided that (in general), Type of business that do not have a place of business fixed, business income received more than 1 month or once seasonal business that operate less than 2 years, Location outside the target market map.
12. One Obligor Concept, Terms of Bank Indonesia on the concept of one if the obligor is a debtor to have any relation to the other financially and / or between the management and the relevance or the collateral
13. Other Revenue, Earnings debtor's business other (non-business, which will be financed) The business (not as employee salaries) from the pair potential borrowers