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Working Capital Credit (IDR, USD) and Investment

Over Draft Loan

Over Draft Loan is a loan for working capital requirement of a business with a relatively short term (1 year) and the term may be extended. The means of loan withdrawal are Check and Current Account.


Time Loan Revolving (TLR)/ ACCEPTANCE Loan

Time Loan Revolving (TLR)/ ACCEPTANCE Loan is a loan to fund investment or working capital reserve, the withdrawal of which may be made in lump sum or on demand through ACCEPTANCE letter on condition that it does not exceed the credit line (plafond).


Time Loan Fixed (TLF) / Fixed Loan

Time Loan Fixed (TLF) / Fixed Loan is a non-revolving loan which is provided to fund working capital requirement or uses an acceptance letter. The term of TLF is in accordance with the fund user’s requirement and the maximum term is 1 (one) year, which may not be extended. Monthly payment will constitute payment of loan interest only, while the principal must be repaid as and when due.


Installment Loan

Installment loan is a loan provided to fund short-term working capital requirement which can be withdrawn only once by using an acceptance letter. The loan term is in accordance with the fund user’s requirement with maximum term of 1 (one) year, which may not be extended. Monthly payment will constitute payment of loan interest only, while the principal must be repaid on the maturity date.