Short term revolving working capital credit facilities which withdrawals' and returns' may be made at any time as required. Withdrawal of borrowings is made by using check instruments, bilyet giro or based on written instructions from the debtor.

  • Interest charged is effective and floating interest rate (subject to change at any time).
  • Interest is calculated on a daily basis based on the effective balance at the end of the day.
  • Payment or settlement of the facilities used can be done anytime.
  • Facility withdrawal is made using Checks, Bilyet Giro or based on instructions from customers.
  • The facility is revolving.
  • Withdrawal facility can be done anytime as needed by debtor.
  • Maximum facility duration is 12 months and can be extended after review.

Opening Condition
  • Submitting adequate collateral goods.
  • The debtor is required to open a checking account.
  • The debtor may be an individual or a business entity.

Required Documents

A. Individual Debtor Candidate :

  • Copy of husband's / wife's ID 
  • Copy of debtor's family card (Kartu Keluarga / KK)
  • Copy of debtor's marriage document
  • Copy of debtor's name changing document (if any)
  • Copy of business legal documents : NPWP, SIUP, TDP, SITU, and License of Nuisance Act 
  • Copy of account statement at least 3 (three) months
  • Copy of Certificate, IMB, Blue Print, last tax payment receipt (PBB) dan AJB of the collateral

B. Prospective Debtor of Legal Entity

  • Copy of managements' ID
  • Copy of Deed of Establishment and its amendments, Decree of the Minister of Justice, State Gazette of the Republic of Indonesia, SIUP, TDP, NPWP, SITU and License of Nuisance Act
  • Copy of account statement at least 3 (three) months
  • Copy of certificate, IMB, Blue Print, AJB and the last tax payment receipt (PBB)

Terms, conditions, fees and other information on this product are subject to change. For further information, please contact Bank Index Call Center phone number (021) 6330055 or please visit the nearest Bank Index office.

Demand Loan