- Make sure you have a business account (Home Business or PT/CV) on KoinWorks.
- Log in to your business account.
- Select the "Pinjaman" (Loan) menu on the main page.
- Next, choose the "KoinBisnis" option (or according to the name of the loan product for businesses).
- Follow the steps provided to apply for the loan. Fill in the required information and upload the requested documents as instructed.
- The loan application process will be evaluated based on credit assessment and verification of the submitted documents. Once the approval process is complete and if your loan is approved, the loan funds will be transferred to your business account.
Here are some documents required to apply for a KoinBisnis loan:
| Loan Amount | Up to Rp 15 Million | Rp 15 Million - Rp 50 Million | Rp 50 Million - Rp 500 Million | |||
|---|---|---|---|---|---|---|
| Individual | PT/CV | Individual | PT/CV | Individual | PT/CV | |
| Borrower's ID Card (KTP) | Yes | No | Yes | No | Yes | No |
| Spouse's Family Card (KK/KTP) & Marriage Certificate (if married) | No | No | Yes | No | Yes | No |
| President Director/Main Director/Active Shareholder's ID Card (KTP) | No | Yes | No | Yes | No | Yes |
| Company's Tax ID (NPWP) | No | Yes | No | Yes | No | Yes |
| Deed of Establishment & Ministry of Law and Human Rights Decree | No | Yes | No | Yes | No | Yes |
| Ministry of Law and Human Rights Decree + Latest Amendment Deed with Active Management and Shareholders' Names (if applicable) | No | Yes | No | Yes | No | Yes |
| NIB and/or Business License (SIUP) | No | No | No | No | No | Yes |
| Bank Statement (Last 3 Months) | Yes | Yes | Yes | Yes | Yes | Yes |
Please ensure that the information provided is accurate and complete for a smooth application process.