Cash Loan
 Which is based on Law No. 7 In 1992, credit in terms of cash loan are: provision of money or bills based on agreements borrowing and lending between banks and other parties who require the borrower to repay the debt after a certain period of time with interest.
Miscellaneous Credit Cash (Cash Loan) can be distinguished, among others:
General credit type
Ie loans granted by banks to companies or individuals for commercial purposes. Commercial loans, credit is also a very important role in the flow of funds for commercial banks. The debtor is composed of business entities engaged in various sectors and various business scale. They use the credit to finance working capital funding needs, and fund capital investment.
That is the type of credit that is given usually to individuals for consumption purposes. Examples of consumer credit, such as buying a home or personal vehicle. Two consumer loans are usually quite popular mortgage (KPR) and vehicle loans.
Credit based objective type Financing
Ie credit used to finance working capital customers. Working Capital consists of two kinds, among others:
1) Working Capital Loan - Revolving
If the debtor's business activities can be expected to take place in a sustainable manner over the long term and the banks quite trust the ability and willingness of the customer, then the customer working capital credit facilities can be extended each period without having to apply for new credit.
2) Working Capital Loan - Einmaleg
If the volume of the debtor's business activity fluctuates widely from time to time and less bank or trust the ability and willingness of the customer, then the banks feel more secure when giving Working Capital Loan - Einmaleg. The facilities were limited to one customer's business turnover in the next period and if the customer wants to KMK again then must apply for new credit. KMK type is also given to borrowers whose business is highly dependent on the project were obtained.
o Investment Credit
Ie credit that is given by the bank to the company for the purchase of capital goods.
Credit type Viewed From the aspect Period
Ie loans with a maturity of up to one year, usually working capital loans.
Ie loans with a maturity of over 1-5 years, credit is usually used for the purchase of vehicles, equipment and machinery.
Ie loans with a term of over 5 years, usually loans to finance the construction of a new plant and financing long-term projects.
Types of Credit Based Financing Economic Sector
Ie loans in the form of financing the agricultural sector including plantations, fishery and forestry. Credit may be granted in the form of working capital loans and investment loans.
Ie loans granted to finance the mining sector includes the exploration and exploitation.
Ie loans granted to finance the plant, manufacturing of all sectors.
Ie loans granted to finance the construction contractor for the project until the project is completed.
Ie loans to help the inter-city trade capital requirement, between the islands, and trafficking in local as well as for restaurants and hotels.
Namely loans for the transport, distribution and warehousing of goods.
- Credit Services Business world
Ie loans to service companies such as consultants, accountants, doctors, lawyers and education services.
Types of Credit Based on nature
Revolving Credit
Namely the credit facility granted on the basis of a certain limit or ceiling and can be used repeatedly up to a predetermined limit.
Credit Alfopend
Namely the credit facility granted to first-time use or according to schedule and can not be used repeatedly.
Credit Type By Type Penggunannya
Business Credit
Ie credit used for financing in the form of working capital or investment.
Consumer Credit
Ie credit used to purchase consumer goods not in the form of business
Types of Credit By Collectibility
Viewed in terms of ability to pay, financial condition and prospects, are set on the basis of the provisions of the Central Bank of Bank Indonesia in this regard include:
- Current Credit (Pass)
- Credit Special Mention (Special Mention)
- Credit Substandard (Sub Standard)
- Doubtful Loans
- Credit Loss (Loss)
Based Loan type Debtor Group
Credit To Residents
Ie loans granted to residents, citizens or companies that have resident status in Indonesia.
Credit Not To Residents
Ie loans not to the population of Indonesia, but credit granted to a foreign citizen or company who is a foreign company.
Policy Based Loan Type
Public Credit
Ie loans granted to banks is concerned with profit and loss and business principles that apply, or known by the provision of technical bank.
Credit Priority
Namely the distribution of credit based on the priorities required by the government.
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