Main Document to Submit for the Microbanking loans

• Copy of ID card debtor Candidates
• ID Card Copy wife / husband, to the debtor status of married
• Copy NPWP for loans above Rp.50.000.000, --
• Copy of permission letter Trading, dDebitur candidate for the business market in the area
• Copy of Family Card
• Copy Letters married
• Copy of Divorce Certificate / Death Letter, to the status of prospective borrowers with the widow / widower
• Copy of ID card Guarantee owner, if insurance is not the owner or prospective debtor wife / husband
• ID Card Copy wife / husband owners insurance if insurance is not the owner or prospective debtor wife / husband

Loan To Value (LTV)

Is a basis or method used to determine how big a loan that can be given to the debtor based on the assets used as collateral.

Individual micro banks determine their own micro-scale LTV, however, the outline can be described as follows:

1. Land ownership certificate: LTV = max. 80%
2. Letters cars / BPKB: LTV = 60%
3. Deposit: Max. 100%

For example, if the land price according to market (total) is Rp. 100.000.000, - then the maximum loan that can be given is Rp. 80000000, -. This refers to the basis of determining LTV for a certificate of land ownership is 80%.

However, a bank does not only consider the Loan To Value (LTV) in determining the large loans will be provided, but there are many other factors such as the capacity of business, business type, character and other prospective customers

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

Insurance Declaration

Declaration of Insurance is the report that the contents of each working day after the end of the operating day based on Realized Nominal (For holidays do not need to fill in, except there is operational

Reports Declaration of insurance made to find out how much the insurance premium must be paid / payable by branch which consists of 2 reports, namely CICB (Cash In Cashier Box), the nominal handover of money from the end of the day from Teller to Operations Officer. CIT (Cash In Transit), the amount of money that the pick up and delivery of cash or the branch staff.

for that Declaration of Insurance must be made every day, in order to reduce the risk of error date / charging error on a different date to report. Declaration in accordance with the insurance must be made in accordance with the indemnity insurance that occurred at that time.