Bank Mandiri loans for SMEs

JAKARTA - The difficulty of small and medium entrepreneurs in developing business is access to banking. Furthermore the number of the requirements such as financial reports and requirements, leaving other. The problem is in fact already classic, but until now there has been no solution. Banks are generally still apply stricter requirements on small and medium entrepreneurs that have the type of business, which is quite prospective.
The businessman is finally disposed pessimistic. Generally, they are "afraid", albeit not try. That had tried, many of which failed due to difficult credit requirements.
It also tried dijembatani by Bank Mandiri, the state-owned bank that is now the largest in Indonesia.
Here are various types of credit devoted to small and medium entrepreneurs from Bank Mandiri. Or is simple enough. Welcome to try!

Credit for Small (SEC)
SEC is a credit or financing from a bank or untk investment and working capital, which is given in rupiah and foreign currency or to small business customers with a total maximum credit ceiling of Rp. 500,000,000 - (five hundred million rupiah) to pay for a productive business.

SEC-Credit Investment
Credit-term / long is given to the (prospective) outstanding debtors to pay for capital goods in the framework of the rehabilitation, modernization, expansion or establishment of new projects, with a maximum term of 10 years.

SEC-Working Capital Loan
Credit is given to meet the needs of working capital in one out of the business cycle.

SEC-Contractor Working Capital Loan
Credit is given to meet the needs of working capital for business services contractor that runs out in a business cycle.

SEC-channeling
Credit or Working Capital Investment Credit provided through cooperation with the Financing Institute or other banks. To obtain SEC-channeling requirements, the form of individual businesses, the business body that is not a legal or business, which is a body of law, including cooperatives. Stand alone or are not affiliated with a secondary business or big business. Property net a maximum of Rp. 200 million. The results of the annual sales of Rp 1 billion. Share your own funds and at least 20 percent owned by Indonesian Citizens.

Credit Food Security (KKP)
KKP is the working capital credit facility provided by Bank Mandiri to:
farmers, in the order intensification of rice, maize, soybean, cassava, sweet potato. Breeder, in the context of beef cattle livestock, domestic poultry and duck. Fish farmers, in the framework of the business of catching fish, supporting fisheries and aquaculture, or fish and together with the cultivation of domestic poultry husbandry.
Conditions for the KKP has obtain a feasible business.
Special to the Primary Cooperative is a cooperative and have a business permit and that active managers. Have never obtained a credit facility or have / have obtained a credit facility with the criteria of "smooth" or not in error. The maximum credit period of 1 year. Collateral main business is financed. Outstanding debtors submit additional collateral if the bank's assessment is needed.
Interest rates for business intensification of rice, maize, soybean, cassava, sweet potato is 12 percent per year. KKP interest rate for beef cattle animal husbandry, domestic poultry and duck as much as 16 percent per year.
While the interest rate for catching fish, supporting fisheries and aquaculture, or fish and together with the cultivation of domestic poultry husbandry, as much as 16 percent per year. Interest rate on loans to the cooperative framework of the procurement of food in the form of unhulled rice, maize, soybean and fishery business and also as much as 16 percent per year.
KKP benefits, withdrawal can be done at once. Except for Cooperatives, withdrawing credit can be done at any time. Pelunasannya at maturity or credit at the time of harvest and financing may be provided by the group. Obtain technical assistance / technology management and extension officers from the Field (PPL) is appointed.

Program PUKK
Development Program for Small and Cooperatives (PROGRAM PUKK) this program that aims to help small businesses and cooperatives in the form of loans and grants. Source of funds programs PUKK profit comes from the elimination of Bank Mandiri of 1-3 percent of all corporate profits after taxes with the approval of the General Meeting of Shareholders.
PUKK program is intended for individuals or small businesses and cooperatives corporately, which has not had access to banking (not bankable), who want to start a new business, but has the prospect to be developed and / or to finance business activities that have been there. Provide the inclusion of funds (equity) of 25 percent of the fund needs, both for grants and loans.
Loans are not given to partners who have built a credit facility from Bank Mandiri or other bank loans or funds from the program PUKK other SOEs.
The interest the first year of 6 percent, 6 percent the second year, 9 percent the third year, 12 percent four years, five years and 15 percent. PUKK interest loans under commercial interest.
Applications for the type of credit needed for living in the area of Jakarta
can be submitted at the City Business Center (Canadian Broadcasting Corporation); Canadian Broadcasting Corporation Region III Jakarta Kota, Jl. No field station. 2, West Jakarta; Canadian Broadcasting Corporation Region IV Jakarta Thamrin, Jl. M.H. Thamrin no. 5, Central Jakarta; Canadian Broadcasting Corporation Region V Jakarta Sudirman, Jl. Jend. Sudirman Kav 54-55, South Jakarta.
Meanwhile, for persons in areas outside Jakarta to be on the branches or the Bank Mandiri in Indonesia. (tot)

source: www.sinarharapan.co.id/ekonomi/usaha/2003/1206/ukm2.html