- Intended for individual loans.
- Fast process only 1 week.
- Soft collateral.
- Credit limits: IDR 8 – 50 million.
- 6 – 36 months installment payment period.
- Installment period: once in a month.
- Only citizen ID card, marriage book and family card.
- Installment payment via Alfamart, Mandiri and BRI.
Product and Services
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Individual Lending - Bina Usaha
Easy Process:
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Group Lending - Bina Grup
Easy Process:
- Intended for group loans (must form groups).
- A group must have a minimum of 12 members.
- Without collateral.
- Fast process only 5-6 working days.
- Credit limits: IDR 3-7 million.
- 31 times installment payment period.
- Only citizen ID cards and family card.
- Installment period: once in two weeks.
About Us
Welcome to the Bina Artha website! PT Bina Artha Ventura is a registered Venture Capital Company actively engaged in the microfinance sector in Indonesia since December 2011. Bina Artha offers working capital through a modified version of the traditional microfinance Grameen group methodology exclusively to women who do not have or have only partial access to the formal financial sector. In addition we provide access to business loans for small enterprises. We at Bina Artha are inspired by the ideal that providing access to finance to low income households engaged in micro and small enterprises in Indonesia gives them an important tool to achieve economic and social upliftment. We thrive to work in a fair, transparent, efficient and sustainable manner and we have a quite ambitious dream: to reach 1,000,000 households with our services over the next few years!
Group Company
Holding Company
Through its operating companies, CreditAccess South-East Asia B.V (CASEA) provides convenient and reliable financial services to Asian households lacking credit.
CASEA is incorporated in the Netherlands and focuses on impact investments in the South-East Asian region and serves as a holding company for its subsidiary companies in the Philippines and Indonesia.
CASEA’s service model seeks to create long term relationships with its customers through a `doorstep´ approach, underpinned by innovative technologies, to deliver efficient and customer-centric financial products catering to their entire business lifecycle.
CASEA is part of the CreditAccess network which deploy their assets in South-East Asia and India, a region of 2 billion populations and 150 million unbanked businesses, which represent the hidden backbone of local economies.
Our Sister Companies
What We Do
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Micro Small Enterprises - Bina Usaha
Through the Bina Usaha product Bina Artha offers working capital ranging from IDR 8 to 30 million to individuals owning micro and small enterprises and who can offer adequate movable collateral, such as equipment, stock, business appliances, etcetera. -
Micro Lending - Bina Grup
Bina Grup is a collateral-free working capital financial product for women owning a micro enterprise which is provided according to an improved version of the traditional Grameen methodology.
Work With Us
- We Care
- Good Career Path
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Improving Employee's
Skills
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1
Prepare your CV
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2
Click here to find the job vacancy.
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3
Choose the job vacancy that meets your need and skills.
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4
Submit the vacancy on that page.
Client Testimony
Yayah
Mitra Kompak - Cagak
Imas
Mitra Group Lending - Cagak
Anton
Mitra Individual Lending - Kediri
Woman Inspiration
Mrs. Iyar - Mitra Group Lending
Bu Iyar is one of our Group Lending clients with success story that we can be proud of. Her parent financial situation became her motivation to start a business. The family needed her support to provide basic necessities. She has run a small warung since she was a teenager in 1985. A modest IDR 200,000.- initial working capital for the business. Challenges in the business have had not made her give up, her business has survived. Bu Iyar would like to grow the business, and she applied for loan from Bina Artha. The loan was used to buy more stocks for the warung. Since then her business has grown bigger. Income from her warung has also increased, now she not only able to support her parent, but also her own family. Part of the income from the warung also has been used for her Children education. Bravo Bu Iyar!
