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15 August 2008 10:58
Financial Product
PMK (Working Capital Financing) MADANI
Aimed at LKM/S or BPR/S that has operated minimum of 2 years. Target Market includes LKM/s and BPR/S in Indonesia. Maximum tenor is 3 years (36 months) with minimum plafond of Rp 100.000.000 (one hundred million rupiah).
SOL (Sub Ordinate Loan) MADANI
Aimed at BPR/S in form of a sub ordinate loan. This product gives opportunity to the BPR/S to increase the capital adequacy ratio gradually, it also provides alternatives as long term financing source to strengthen the financial portfolio. Target market is BPR or BPRS all over Indonesia, that have legal entity (PT. PD or cooperative) and meet the prerequisites of the product. Maximum tenor is 5 years, including 1 month grace period. Plafond of SOL MADANI BPR/S is maximum50% of BPR/BPRS ordinary capital.
SUP (Sarana Usaha Produktif) MADANI BPR/S
Low interest working capital financing product which is aimed at productive micro small and cooperative for productive efforts through BPR/S. Target market is BPR or BPR/S all over Indonesia, legally formed such as PT. PD. or Cooperative. Maximum tenor of 3 years (36 months). Credit plafond will be calculated based on the evaluation results of the BPR/S.
SUP (Sarana Usaha Produktif) MADANI LKM/S
Low interest working capital financing, which is aimed at productive micro small and cooperative through non-bank LKM/S. Non-bank LKM/S includes saving & lending cooperative, saving & lending unit of cooperative, BMT, and other micro financial institutions that have legal form. Maximum tenor is 3 years (36 months).
Joint Financing Revolving BPR
Working capital financing to BPR to be further on-lent to productive SME (Small Micro Enterprise) as end users. Target market is BPR all over Indonesia, which is legally formed (such as PT. PD. or Cooperative) and meets the prerequisites and has been operating for minimum of 2 years. Maximum tenor is 1 year (12 months) and can be extended twice (2 times). Plafond will be set based on the analysis results by PNM and Partner Bank.
Special Joint Financing Sharia
Product that is managed together by consortium or syndication between PNM and other parties, in this case with a participating Bank (Sharia Bank or sharia business unit) to provide financing to BMT. Target market is all of BMT that has all the prerequisites. Maximum tenor is 2 years (24 months) with plafond to be calculated based on the analysis and business sufficiency of the BMT
Joint Financing PMK (Working Capital Financing) BPR
Product is intended for BPR to be further on-lent to productive SMALL MEDIUM ENTERPRISE (end user) as working capital. Target market is BPR all over Indonesia, with legal form such as PT. PD. and Cooperative, and meet all the prerequisites needed and has been operating for a minimum of 2 years. Maximum tenor is 3 years (36 months). Plafond will be set based on the analysis results by PNM and Partner Bank (as co-financier).
Housing PMK (Working Capital Financing) for BPR or LKM
Special financing product restricted for further on-lending as housing microfinance (to be used for home improvement, starting home development and land titling) to end beneficiaries. Target market is BPR or LKM in 32 target cities of NUSSP. Maximum tenor is 5 years (60 months). Plafond will be set based on demand and evaluation by PNM.
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