


Individual Lending
Bina Artha Ventura’s Individual loan product is a business loan with flexible collateral requirements for men and women who own small or micro-enterprises.

Learn More About Our Individual Lending Product
Bina Usaha are individual business loans with flexible collateral requirements aimed at supporting micro and small business owners with a gross income of over Rp 4 million per month.

Main characteristics of Bina Usaha loans
- Loans ranging from IDR 10 million to IDR 50 million.
- Purpose: Working Capital.
- Easy application process.
- Fast process (4 days on average).
- Flexible collateral requirements.
- Flexible loan tenures, ranging from 12 to 36 months.
- Monthly repayments.
- Transparent conditions; no hidden fees.
- Fair pricing: 3.5% - 3.8% decreasing (=2.1% - 2.2% flat).
- Excellent customer service.
- Artha Ventura Peduli Mitra (toll-free phone and WhatsApp).

Bina Usaha Loan Simulation
Use the following table to identify the most suitable loan amount, tenor and installment for your business needs.
Monthly Repayment Amount at Different Tenors
Loan Amount | 12 Months | 18 Months | 24 Months | 30 Months | 36 Months |
---|---|---|---|---|---|
Rp 10.000.000 | Rp 1.051.000 | Rp 774.000 | Rp 640.000 | Rp 561.000 | Rp 511.000 |
Rp 15.000.000 | Rp 1.576.000 | Rp 1.161.000 | Rp 959.000 | Rp 842.000 | Rp 767.000 |
Rp 20.000.000 | Rp 2.101.000 | Rp 1.548.000 | Rp 1.279.000 | Rp 1.122.000 | Rp 1.022.000 |
Rp 25.000.000 | Rp 2.626.000 | Rp 1.935.000 | Rp 1.598.000 | Rp 1.403.000 | Rp 1.277.000 |
Rp 30.000.000 | Rp 3.151.000 | Rp 2.322.000 | Rp 1.918.000 | Rp 1.683.000 | Rp 1.533.000 |
Rp 50.000.000 | Rp 5.175.000 | Rp 3.791.000 | Rp 3.114.000 | Rp 2.719.000 | Rp 2.465.000 |

Summary of Product and Services Information*
See All FAQLearn More*) 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.