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.

Bina Usaha

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.

Give your business a boost with Bina Usaha!

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*

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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. Brigita

Solo, Central Java

Mrs. Brigita Rernavia Anita Pawestri runs a bridal gown rental business. Mrs. Brigita's spouse is employed as a marketing officer in private sector. They have two kids, 4 and 5 years old, respectively. After obtaining a loan from Bina Artha Ventura, Mrs. Brigita felt greatly supported because her business was expanding, and her revenue was increasing. "I am happy to take a loan at Bina Artha Ventura because the Business Officer is very kind. In addition, since taking a loan at Bina Artha Ventura, my quality of life has improved, and I can cover my child's education costs." – Mrs. Brigita.

Mr. Parenrengi

Makassar, South Sulawesi

Previously, Mr. Parenrengi's restaurant business almost went bankrupt due to the Covid-19 pandemic. However, after receiving financing from Bina Artha Ventura, Mr. Parenrengi was able to regain capital to build his business. The easy application and informative officers also greatly helped Mr. Parenrengi to receive business capital financing from Bina Artha Ventura. "Thanks to the positive impact given by Bina Artha Ventura, now I have succeeded in opening a new restaurant branch and saving the restaurant business from bankruptcy" - Mr. Parenrengi.

Mrs. Muliani

Makassar, Sulawesi

Mrs. Muliani live in Makassar and doing vegetables, herbs and spices stall business for livelihood. Venture capital from Bina Artha Ventura really support business growth without interrupting personal cashflow. So, she learn to manage simple business financial management. “In the future, I want to give positive impact to surrounding community to start join my business, and support me to grow the business bigger, so it’s mutually beneficial for their household economic. I also want to influence them to start partnering with Bina Artha Ventura once they have confident level to run their own business. Bina Artha has given impactful values for my economic life.” – Mrs. Muliani.