Kredit Lintas Manfaat

Kredit Lintas Manfaat  is designed to meet your needs by providing continuous benefits. Kredit Lintas Manfaat is a credit facility for employees, who are facing retirement period, with a maximum installment of 60 months.

Kredit Lintas Manfaat is limited to when the applicant/debtor is retired. This product offers credit installment to 144 months including the grace period of three (3) months after applicant/debtor is retired.


  • Cross-period loan
    • The loan period starts from when a debtor is an active employee to when he is retired
  • Installment
    • Installment is directly cut from monthly salary (during his working tenure) and from the pensioners’ benefit (during retirement period)
  • Easy and quick
    • Easy procedure
    • Ccustomers will immediately receive the fund as soon as the documents and credit requirement are declared complete by the bank.


  • Flexible
    • Maximum loan up to Rp 300 million
    • Maximum installment period of 144 months
    • Top Up and Take Over from other bank facilities are available
  • Protection for inheritors

The credit facility is insured and therefore when the debtor passes away, the inheritors can pay the remaining loans.


For more information about the product, please click here.

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Document requirement:

  • A statement letter for civil servant/Appointment letter as permanent employee*
  • A letter informing on latest salary/working period*
  • A copy of employee card
  • A copy of Taspen card
  • A copy of valid ID card
  • Recommendation letter from related official
  • A copy of Tax Identification Number (NPWP)
  • Documents for pensioners’ benefit & THT
  • Original retirement certificate which should be submitted at least a month prior to retirement, according to the management of pension fund

* According to the related institutions/business entity/company

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.