• A short/mid-term, financing package for salaried individuals and professionals, who are permanent employees of legal entities, for purchasing goods through catalog purposes.

• Non revolving
• Unsecured Loan
• Repayment via salary auto-deduction

• IDR

• Factory Worker
  12 months up to 36 months
• Office Worker
  12 months up to 36 months

• Factory Worker
  IDR 2.5 million up to IDR 25 million
• Office Worker
  IDR 2.5 million up to IDR 50 million

No collateral

BUT

• Severance payment
• Service reward

May act as collateral depending on the commercial terms agreed between BCI and Accredited Legal Entities.

• 3% of goods price
• Processing Fee will be added into customer loan amount

• IDR 6,000 for each loan agreement
• Stamp duty will be added into customer loan amount

• 5% of arrears balance by daily basis
• Late charge will be charged to loan account at the time of repayment transaction

• 5% of reduced principal
• Early repayment penalty will be charged to the loan amount at the time the early repayment transaction occurs

• Interest rate refers to corporation agreement

• Indonesian citizen
• Age between 21 and 55 years (on maturity date)
• Permanent employee with tenure >= 1 year
• Gross monthly income over IDR 1 million (Jabodetabeka)

• Copy ID
• The last original salary slip
• Copy of employee ID
• Copy of NPWP (for loan >= IDR 50 millions)