Group Lending

Bina Artha Ventura’s group lending product is designed to provide unsecured business capital exclusively for groups of women entrepreneurs who run micro-enterprises.

Bina Grup

Learn More About Our Group Lending Product

Bina Grup clients are a group of underserved women micro-entrepreneurs who have skills in business development but have limited access to business financing. Bina Artha Ventura’s Group loan provides a joint liability system that bridges the gap in access to financing so that clients are able to borrow a small uncollateralized loan to help develop their businesses in order to improve their family welfare and achieve their dreams.

Become part of our journey and apply for a Bina Grup loan now!

Main characteristics of Bina Grup loans

Loans ranging from IDR 4 million to IDR 15 million.
Purpose: Working Capital.
Fast process (7 days on average).
Group Solidarity Guarantee; no need for collateral.
Flexible loan tenures, ranging from 12 to 36 months.
Bi-weekly repayments.
Fast and efficient Center meetings.
Transparent conditions; no hidden fees
Fair pricing: 4.3% decreasing (=2.6% flat).
Excellent customer service.

Bina Grup's Process Flow

We offer loan simulations to assist you in exploring various financing options tailored to your business. Find the optimal financing solution that aligns with your business needs and envision how we can support fostering your business growth.

Survey and Expansion
Socialization
Establishment of Client Center
Client Business Feasibility Test
Client Center Training
Disbursement

Summary of Product and Services Information*

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*) Interest rates may change at any time in accordance with terms and conditions applied in PT Bina Artha Ventura.

Inspirational Clients Stories

We are committed to providing exceptional service to our clients. Each clients plays a vital role in Bina Artha Ventura's trajectory of growth and advancement. We steadfastly endeavor to bolster our clients' enterprises, fostering robust and sustainable development and success.

Mrs. Suharni

Samaturu, Southeast Sulawesi

When her business was growing rapidly, Mrs. Suharni was constrained by business capital, and it made her very confused and think hard enough to find additional capital for her salted fish sales business. At the same time, Bina Artha was doing promotions in the area where she lived. Mrs. Suharni received a business capital loan from Bina Artha Ventura through the Group Lending business loan. "Now, my business is increasingly profitable and I hope to continue being a client of Bina Artha Ventura." - Ibu Suharni.

Mrs. Nita

Sukatani, West Java

7 years as a loyal partner of Bina Artha Ventura, has enabled Mrs. Nita to drive her family's economy. Through business capital financing obtained from Bina Artha Ventura, Mrs. Nita sells meatballs around using a cart. The turnover of her business results is managed well so that Mrs. Nita is able to help her husband who works as a construction worker to support his family members together. In 2023, Mrs. Nita's business has grown, "Through the additional business capital that I obtained from Bina Artha Ventura, I was able to open a tent stall for a meatball and fried chicken business in front of my house. So that I don't have to bother going around the village anymore, I also added a table and several benches so that buyers can eat at my tent stall. Thank you for the help from Bina Artha Ventura" – Mrs Nita.

Mrs. Dwi

Mamajang, South Sulawesi

Before becoming a Bina Artha Ventura client in Mamajang Branch, South Sulawesi, Mrs. Dwi had an uncertain culinary business, which caused Mrs. Dwi's business to be affected by Covid-19. However, after receiving funding from Bina Artha Ventura, now not only is Mrs. Dwi's business growing rapidly, she is also able to employ several employees. "As the head of the group, I have a commitment to become a HEBAT group client with other members." -Mrs. Dwi.