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.


Get Your Kredit Lintas Manfaat Today


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."