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Loan

Choose Bank Andara loan to increase your MFI services. FLEXIBILITY guaranteed! Enjoy range of benefit of utility, tenor structure, direct or indirect loan, special financing for selected customer’s profile and pledge loan.


Type of Loan offered:

  • Working Capital Loan
  • Investment Loan for MFI
  • Lines of Credit


Bank Andara’s direct loan benefits are:

  • Fix price or floating*
  • Long term tenor period up to 5 years
  • Grace period allowed* 
  • Repayment structure use fix monthly installment or balloon for bimonthly or three monthly base
  • Working capital or investment loan type
  • Flexible pledge loan, depend on MFI and end user overall risk profile on cash, balance transfer, fix asset and pledge

* depend on customer’s profile

 

Requirements:

•    General Qualifications:

  1. Filling in credit loan application;
  2. Paid-in capital at the minimum of Rp 500.000.000,- (five hundred million Rupiah);
  3. Having business license from the institution/agency authorities and has been in operation for minimum two years, proven by complete legal documents and license from authorized institutions;
  4. Having annual financial report;
  5. Capital Adequate Ratio (CAR) minimum of 10%;
  6. Non Performing Loan (NPL) maximum of  8%;
  7. Minimum at “moderate” category based on limited due diligence (LDD) conduct by Bank Andara or minimum independent rating agency category ‘investment grade’.

 

•    Specific Qualifications:

     Precedence for Pro Poor