Paketmu Menengah

The PaketMu Menengah is a term installment loans which requires collateral. The available loan starts from Rp 500 million to Rp 1 billion and the maximum installment is 60 months.


Product Overview

PaketMu Bebas facility can be used as working capital loan for MSME businesses or as an investment to develop the businesses. Beside financial access, the BTPN Daya Program also provides opportunity to our customers to develop their knowledge and business skill as well as creating new business opportunity.



Click here to download Product Information Summary

Terms and Conditions

  1. Applicants fill in the form for loans and opening an account
  2. Applicants must fulfill the requirement for financing which includes, but not limited to:
    1. Debtors’ business is still ongoing and has been going on for at least two (2) years
    2. Debtor’s business is not illegal or forbidden
    3. Debtor’s minimum age is 21 years old or 18 years old if he/she is married
    4. Indonesian citizen
    5. Has a good loan record (for those who has/is having loans)
  3. Required documents are:
    1. Credit application form
    2. Identity documents:
      1. ID Card
      2. Family Card
      3. Wedding certificate (if he/she is married)
      4. Divorced paper or death certificate (for widow/widower)
      5. Tax Identification Number (NPWP) if relevant*
      6. Business Permit
      7. Deed of Establishment (Akta Badan usaha)
      8. Collateral document
  4. The application form must be submitted to the nearest BTPN Mitra Usaha Rakyat branch offices.
  5. All qualified application will be processed according to the regulation of the BTPN Mitra Usaha Rakyat.
  6. Debtor is obliged to provide the required and needed data and/or information and guarantee the truth of the data and/or information and will not cause BTPN Mitra Usaha Rakyat any losses or lawsuits which may happen in the future due to the given data and/or information from the debtor.
  7. For further information on the credit product and/or if there are any complaints, please call our officers at the nearest BTPN Mitra Usaha Rakyat branch.


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.