Definition of Smille Berkah
Smile Berkah is Financing to entrepreneurs engaged in micro sector.
Advantages of Smile Berkah
- Low credit terms and Fast credit processing
- The scheme used Akad Murabahah / buying and selling
- Can be used for individual entrepreneurs or business groups
- Credit period is long enough
Requirements of Smile Berkah
For Individuals
- Indonesian citizen (WNI)
- Age between 21/60 years old or already married
- Attach proof of self in the form of ID card, KK and Marriage Letter (for married)
- Certificate of need from the Village / Village (RT / RW), Market Office or local authority where the concerned sell / attempt
For Business Group
- Business Group has been established and running well minimum 1 year
- Business Group which is developed by other institution based on similarity of business type and location
- Business Group consists of 5 to 20 members
- Age of group members between 21 s / d 60 years or married
- Attach proof of identity of group members be KTP, KK and Notification of a marriage (for those who are married) At least there is a business license from local authorities
- At least there is a business license from local authorities
Conditions of Smile Berkah
- Maximum financing period up to 60 months (5 years)
- Limit Smile Financing Blessing maximum up to IDR100 million
- Cost as follows:
- Administration fee is set at 1.5%
- Insurance Fee (Soul and PSPU)
- Warranty as follows:
- The main guarantee is the financing guarantee from Perum Sarana Pengembangan Usaha (PSPU) maximum of 80%
- Additional guarantee of assets or block of funds amounting to 20% of the financing ceiling
Margin Smile Berkah
Time Period | Margin | Calculation System |
1 Year up to 5 Year | 16,00 % pa | Anuitas |