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Business Banking

Linkage

Produk: Linkage Financing (Financing through Micro/ Sharia-LKM/S financial agencies,  Non-bank Financial Institutions -LKBB)

Micro Financial Agency (LKM) is a legal entity operational in financial services. Among LKM qualified as mudharib or  working partners  for BSM are Bank Perkreditan Rakyat (BPR), KSU dan Koperasi Simpan Pinjam (KSP).

LKMS is a legal entity operational in sharia-based financial services , among LKMS qualified as mudharib or working partner of BSM are BPRS, BMT/Baitul Qirod, BTM, Koperasi Jasa Keuangan Syariah (KJKS) dan Unit Usaha Jasa Keuangan Syariah (UJKS), and KUD village cooperatives units.

LKBB is a legal entity operational in financial servies,  among LKBB qualified as mudharib  working partner of BSM are State Pawnshop, PMVD, etc

I. Which Customers are qualified for linkage financing?

  1. Sharia/Micro Financial agency (LKM/S), Non-bank Financial Institution (LKBB).
  2. Business operation at least 2 (two) years old.
  3. The business activities meet the financing requirements and considered feasible by PT Bank Syariah Mandiri.

II. How is the application mechanism in linkage financing?

  1. Submitting linkage financing application to  the nearest branch of PT Bank Syariah Mandiri.
  2. Interview and supply of information/data/documents as required.
  3. On the Spot (OTS) and collateral taxation.
  4. Financing analysis.
  5. Signing of offering letter from BSM.
  6. Financing agreement.
  7. Financing disbursement.

III. What Information/data/documents to be prepared for linkage financing?

BPR/S:

  1. An application letter signed by all management members;
  2. Financial reports for the past 2 years, including NPF for the past 2 years;
  3. Report on the level of financial soundness (self assessment);
  4. Management members legal ID(KTP/SIM/Passport, Family Card, Curriculum Vitae).
  5. Business entity legal documents (Operational license from BI, TDP, SITU, NPWP, Incorporation Act and Amendment, State Gazette).
  6. Financing Standard Operating Procedure (SOP).
  7. Business plan for 1 (one) year ahead.
  8. Proof of collateral ownership.
  9. End User nominative list.

Sharia Cooperatives /BMT/KJKS/KSU/KSP/KUD:

  1. An application letter signed by all management members;
  2. Financial reports for the past 2 years, including NPF for the past 2 years;
  3. Report on the level of financial soundness (if any; from Local Cooperatives Administration);
  4. Management members valid ID (KTP/SIM/Passport, Family Card, Curriculum Vitae).
    1. Business legality documents (SIUP, TDP, NPWP, Incorporation Act and Amendment, Articles of Association, State Gazette).
    2. Business plan for 1 (one) year ahead (if any)
    3. Proof of collateral ownership.
    4. End User nominative list.

IV. Which linkage financing schemes suit best each customers?

  1. Executing Scheme: Financing to LKM/S or LKBB.
  2. Channeling Scheme for LKM/S or LKBB through LKM/S or LKBB.

V.  OBLIGATION AND COSTS

Margin/Profit Sharing, Administration, Costs and Collateral  are in line with PT Bank Syariah Mandiri policy.

VI. CONTACT

Contact the nearest branch office of PT Bank Syariah Mandiri terdekat or the Head Office PT Bank Syariah Mandiri – Small, Micro and Program Financing Division, Telephone 021-2300509 ext 3430 or 3481.


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