FAQ

1. Peraturan Presiden Nomor 2 Tahun 2008 tentang Lembaga Penjaminan
2. Peraturan Presiden Nomor 41 Tahun 2008 Tentang Perum Jamkrindo
3. PMK 222/2008 tentang Perusahaan Penjaminan Kredit dan Perusahaan Penjaminan Ulang Kredit
4. Undang-Undang Nomor 1 Tahun 2016 tentang Penjaminan
5. Peraturan Pemerintah Nomor 1 Tahun 2016 tentang Lembaga Pelaksana Penjaminan Sistem Resi Gudang (SRG)

1. Conditional Automatic Cover (CAC) is a conditional automatic guarantee provided for a number of MSME applications that have met the requirements as agreed upon between Perum Jamkrindo and the Creditor/Implementing Bank.
2. Case By Case (CBC) is a guarantee provided based on the assessment of the feasibility of the MSME's business on a case-by-case basis.

It is a credit / working capital financing and or investment given to Micro, Small, Medium Enterprises and Cooperatives (UMKMK) in the field of productive and feasible business, but not yet bankable in fulfilling the technical requirements of banking.

It is a guarantee for Microcredit (Kredit Usaha Rakyat) provided by KUR Distributing Banks to Micro, Small, Medium Enterprises, and Cooperatives (UMKMK).

1. Micro KUR, with a credit limit of up to IDR 20 million, is subject to an interest rate of a maximum of 22% effective per year.
2. Retail KUR, with a credit limit above IDR 20 million up to a maximum of IDR 500 million, is subject to an interest rate of a maximum of 14% effective per year.

1. Bank Mandiri
2. BRI
3. BNI
4. Bank Artha Graha
5. BTPN
6. Bank Maybank Indonesia
7. Bank Sinarmas
8. OCBC NISP
9. BCA Finance
10. Mega Central Finance
11. Federal International Finance
12. Adira Finance
13. Bank Jabar dan Banten
14. BPD Riau Kepri
15. BPD Jateng
16. BPD DIY
17. BPD Bali
18. BPD Sulselbar
19. BPD Kalbar
20. BPD Kalsel
21. BPD NTB
22. BPD NTT
23. Kopnas Jasa

1. Bank Mandiri
2. BRI
3. BNI
4. Bank Artha Graha
5. BTPN
6. Bank Maybank Indonesia
7. Bank Sinarmas
8. OCBC NISP
9. BPD Jateng
10. BPD DIY
11. BPD Bali
12. BPD Sulselbar
13. BPD Kalbar
14. BPD Kalsel
15. BPD NTB
16. BPD NTT
17. Adira Finance

It is an accessory activity to financing, so there must be a financing agreement (akad) between the Guaranteed Party (Makfuul 'Anhu) and the Beneficiary (Makfuul Lahu). However, since the Kafalah Financing serves as a substitute for collateral, the company issues a Letter of Principle Agreement for the financing. All activities related to Islamic Guarantee refer to the Fatwa of DSN-MUI.

Perum Jamkrindo conducts Kafalah Financing operations based on the principles of benefit, selectivity, and prudence.

Types of Financing Contracts that can be guaranteed:

1. Murabahah Financing
2. Salam Financing
3. Istishna' Financing
4. Mudharabah Financing
5. Musyarakah Financing
6. Ijarah Financing
7. Ijarah Muntahiya Bittamlik Financing
8. Multi-purpose Financing / Ijarah Umrah
9. Pension Financing
10. Individual Financing (Hajj)
11. Teacher Profession Financing