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Consumer Banking

BSM Edukasi Financing

BSM Edukasi is  ashort and medium term financing by the Ijarah agreement for school/higher education/other education institutions admission fee or education fee to be paid for new semester or education term registration.


  • Education fund payment for higher education institutions in cooperation with BSM
  • The financing limit ranges from Rp5 million to Rp250 million, with the maximum payment of 80% of the education benefit procurement price
  • Installment term ranges from 1 year to 3 years
  • Amount of installment does not exceed 40% of customer’s net monthly income.


  • Customer is father/mother/guardian of the student
  • School/university-level student and has own income
  • Customer minimum age 21 years and maximum age 55 years upon maturity date or before retirement, particularly for entrepreneurs and professionals, the maximum age is 60 years upon maturity date
  • Employee with minimum employment of 2 years
  • Professional/entrepreneur with minimum business experience of  2 years.


  • Sharia compliance
  • Low-cost and flat installments
  • Efficient and simple process
  • Low-cost administration
  • No collateral up to financing worth Rp250 million for  employees with specific conditions.

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