Kredit Karyawan (Employee Loan)

Enjoy loan facilities for Full Time Employees that you can use as multipurpose funds with easy terms, fast processing, loan terms of up to 5 years, and simple loan payments through Jenius Payroll auto-debit or salary deductions by the company.

  • Without Collateral
    • Employees can take loans without needing to prepare any collateral asset
  • Simple Repayment
    • When done through Jenius Payroll, the repayment will be deducted directly from the employee’s payroll
  • Employee loan requirements:
    • For full-time employees in business entities/companies which has a partnership agreement with BTPN only
    • Minimum of 2 years of service
    • Minimum monthly salary of IDR 3 mio
  • Disbursement to Jenius Account
    • Jenius is a simple life finance tool through a smartphone-based application and Visa Debit Card
    • Jenius is a secure digital bank platform guaranteed and monitored by LPS & OJK


Get Your Kredit Pegawai Today


  • Fulfill the document requirements based on the brochure/e-poster distributed for your company through your company’s HR/PIC
  • Send the application through and required documents through BTPN PIC for your company
  • BTPN PIC will proceed your application once the application and required documents are fulfilled.
  • BTPN PIC will contact you again once there has been a decision for your credit application

Significant Impact

Our empowerment program is an integrated element to our business model. We will always try to create opportunities for all BTPN customers to grow and make a more meaningful life through our products and activities.


BTPN Mataram Customer

“Since the 1990s, I have been developing, accommodating and selling the handiwork of weavers. Unfortunately, the business was not going anywhere. After my retirement, I was determined to develop this business further. Now, together with the BTPN Purna Bakti, my business has grown and I have my own gallery.”

Cecep Solihin

BTPN Bogor Customer

“My business has grown significantly after three years of becoming a BTPN customer. Especially with the trainings I received from BTPN, now I understand about bookkeeping and business management. There, I also learnt about online business.”

Rudy Chandra

BTPN Pecenongan Customer

"Small to medium retail printing is a capital heavy business, but what we sell is largely service-unlike the large scale printing companies. Not many banks are willing to look past the surface and understand the type of business that I have built and run since 8 years ago. With the Bank’s support and assistance over the past 2 years, my business continues to grow together with BTPN Mitra Bisnis."