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Mandiri Bank 

Micro Business Loan (KUM)

We provide Micro Business Loans for those who need Investment Credits (IC) and/or WorkingCapital Credit (WCC) to develop micro-scale productive or consumptive business.

This financing facility can be provided to all owners of micro businesses and home businesses inthe forms of companies, business groups, and individuals (such as traders, farmers, breeders, and

fishermen).

Micro Business Loan (KUM) consists of 2 kinds of loan

products:

1.  Micro Business Loan (KUM) 

Micro Business Loan is especially provided to Micro Businesses with maximum credit

limit of Rp. 100 Million. Particularly for top up facility, the limit is allowed up to Rp 200Million.

2.  Micro Multipurpose Loan (KSM) 

For financing various kinds of needs (multipurpose), as long as it does not violate

morality, public order and does not contradict the law with a maximum credit limit of 

Rp.50 Million.

Requirements for Prospective Debtors

1.  Micro Business Credit (MBC)

o  The business should be operating for a minimum of 2 years in the location withthe same field.

o  Minimum age of 21 years or already married. Maximum age of 60 years by thetime the credit is settled.

o  Attach identifications such as National ID (KTP), Family Card (KK) andMarriage Contract (for those married).

o  For credits above Rp 50 Million should attach NPWP (Tax-payer Identification Number).

o  Certificate of Business from Village/Sub-district, Office of Market Managementor Local Authority where the incumbent operates the business; or 

o  Business Permit.o   Never receive a credit facility or have received credit facility with ³smooth´

collectibility or not in a non-performing credit condition.

2.  Micro Multi-purpose Credit (MMC)

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o  Citizens of the Republic of Indonesia and domiciled in Indonesia.o  Have been appointed as a permanent employee for at least 1 (one) year and

having a fixed income. Particularly for employees with permanent status (notincluding probation period) and payroll in the Bank then the year of service will

not be considered.o 

Minimum age of 21 years or already married and by the time the credit is settledshould be at retirement age or maximum 55 year old (except for employees of thegovernment/State-owned Enterprises/ Regional Government-owned Corporations

(BUMD)/ State-owned Legal Entity (BHMN)/ the age requirement shall bedetermined according to prevailing stipulations).

o  Monthly income exceeding the Regional Minimum Wage (UMR) prevailing inthe region.

o  Submit identifications such as a copy of National ID Card (KTP) of the prospective debtor and his/her spouse, Family Card (KK) and Marriage

Contract/Divorce Certificate (for those married/divorced).

Credit Features :

y  The nature of Credit is aflopend plafond (fixed installment)

y  Maximum credit period is 36 monthsy  Collateral is in the form of financed objects and fixed assets

Benefit :

y  Quick and Easy processy  Easy credit requirements

Calculation Result: Installment

Loan date: 3/10/2011

Nominal (Rp): 40,000,000

Time period (year): 4 year

Interest rate (yearly): 2

Installment (Rp): 867,804.95