Term Installment Loan

We understand that businessmen always try to upgrade their competitiveness and products. Middle- and long-term installment loans are one of the solutions to help expand our customers’ businesses. To answer the customer’s needs, we offer the Term Installment Loan (PAB) which can be used to:

  • Financing our customers in middle- or long-term investment, which does not only cover purchasing land and building, commercial vehicle and machineries
  • Refinancing capital expenditure
  • Providing permanent business capital which is not limited only for business expansion or rejuvenation

Product Overview

  • Up to a maximum of 84-month installment, depending on the financing purpose
  • Partially or fully withdrawal can be done according to the purpose by informing the bank in advance
  • Monthly installment (debt principal and interest)
  • For further information, please contact Relationship Manager at the nearest BTPN office.

For further information, please contact Relationship Manager in nearest BTPN branch office.


Click here to download Product Information Summary

Registration Procedure

  • Submit the credit application documents (see attachment)
  • Debtor’s business has been going on for three years
  • Debtor’s business is excluded from the industry which cannot be financed according to BTPN policy and/or included in the industry target which cannot be financed according to BTPN policy
  • Debtor is not categorized as troubled debtor based on the Bank Indonesia checking result and/or from the Financial Service Authority (OJK).
  • Debtor is not blacklisted by the Bank Indonesia and/or OJK
  • Debtor has no records of non-performing loans with BTPN
  • Debtor hands over collateral according to the BTPN approved collaterals namely a plot of land and its building, a plot of land, vehicles, machinery, goods inventory and account receivable
  • Debtor is qualified during the credit analysis process based on BTPN policy
  • Debtor opens a business giro account at the BTPN

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."