BNI Syariah Usaha Kecil (Small Businesses)

Usaha Kecil (Small Business) iB Hasanah is a financing facility based on shariah principles that is available for small entrepreneurs to be used for productive purposes (working and/or investment capital).


  • Simple, straightforward requirements that are in keeping with shariah principles.
  • Financing duration of up to 7 (seven) years.
  • Financing limit of up to Rp 10 (ten) billion.
  • Installments are payable at any BNI or BNI Syariah branch.


  • Murabahah for the purchase of goods through installments for working and/or investment capital (aflopend).
  • Mudarabah/Musharakah can be given in the form of working capital for a certain project/business using the principle of Mudarabah/Musharakah either in instalments or in a lump sum in the final phase.

Requirements for Financing Customers

  • Complete business legality in accordance with the regulations and requirements of the given business sector.
  • NPWP, Financial Report, and Annual Income Tax Statement (SPT Tahunan PPh).
  • A minimum of 2 (two) years of experience in the business sector.
  • To provide a copy of a bank statement containing transactions from the last 6 (six) months.
  • Not included in Bank Indonesia’s Blacklist or the list of non-performing financing customers.
  • Valid proof of collateral ownership

Fee Details

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

* Rates may change without prior notice.