BNI Syariah Wirausaha


Wirausaha iB Hasanah (WUS) is a productive financing facility designed to serve the financing needs for productive business activities (working and investment capital) that are compliant with shariah principles as well as applicable laws.

Advantages :

  • Faster processing with simple requirements according to shariah principles.
  • Financing duration of up to 7 (seven) years.
  • Financing limit at a minimum of Rp 50,000,000 and a maximum of Rp 1 billion.
  • Installments can be paid at all BNI and BNI Syariah branches.


  • Murabahah.
  • Musyarakah.
  • Mudharabah.

Requirements for Applications :

  • Indonesian citizen.
  • A minimum of 2 (two) years of business experience.
  • Proof of Identity (KTP and KK).
  • Complete and valid legal documents related to business registration (SIUP, TDP, HO and SITU) or.
  • A business certificate from the village/sub-district office for applications under Rp 150,000,000.
  • Valid proof of ownership of collateral.
  • NPWP (individual/corporate).
  • Not listed in Bank Indonesia’s blacklist and list of non-performing financing debtors.
  • Provide a copy of a bank statement containing transactions from the last 6 (six) months (if available).

Cost Details :

Administrative Fees   :   Small, pursuant to existing regulations.
Insurance   :   Loss.
Notary, Stamp Duty, etc.   :   Pursuant to existing regulations.