Prima Car Ownership Credit (KPM)

1. KPM Prima's special interest rate starting at 2,49% per annum is a flat and fixed rate for the duration of the financing period.
2. Conventional and sharia schemes are available.  
3. Comprehensive insurance includes:
   • Vehicle Insurance
   • Personal Accident Insurance (PA)
   • Extended Insurance (Natural Disasters, Civil Unrest and Third Party Risks) – Optional

1. Danamon Bank customers who have an active savings account (not dormant).
2. Customers must be Indonesian citizens.
3. Customers are required to use the autodebit facility from their Danamon Bank account as the method of payment for installments. The autodebit registration process can be done at the nearest Danamon or Adira branch.
4. The customer's occupation is employee, professional or entrepreneur.
5. Length of employment:
   • Employees must have worked for at least 1 (one) year at the same company.
   • Professionals must have worked for at least 2 (two) years.
   • Entrepreneurs must have worked for at least 2 (two) years.
6. Minimum age is 21 (twenty-one) years old or married
7. The maximum age at the end of the tenor is 55 (fifty-five) years old.
8. Passed the Financial Information Service System (SLIK) check by the Financial Services Authority and not listed on the Bank Indonesia Blacklist.
9. For the application mechanism and document requirements for KPM Prima credit facilities, please refer to the terms and conditions for granting credit facilities applicable at Adira Finance. Adira Finance's terms and conditions can be accessed at https://www.adira.co.id/produk/metalink/kredit-mobil
10. The application process, including the analysis of the KPM Prima product, is the sole responsibility of Adira Finance, and Bank Danamon is not liable for Adira Finance's decision regarding the KPM Prima credit application submitted by the Customer.

No	Document	Employee	Professional	Entrepreneur
1	Customer’s National ID (photocopy)	✓	✓	✓
2	Spouse’s National ID (photocopy)	✓	✓	✓
3	Family Card/Marriage Certificate (photocopy)	✓	✓	✓
4	SHM/SHGB/SHGU/AJB certificate (photocopy) or	✓	✓	✓
	Proof of Electricity/Water/Phone Bills (photocopy)
5	Tax Identification Number (photocopy)	✓	✓	✓
6	Bank account statement/savings account statement for the last 3 months/other financial data (proof of transaction) (photocopy)	✓	✓	✓
7	Trading Business License (photocopy)			✓
8	Practicing License (photocopy)		✓

1. Danamon Bank customers who have an active savings account.
2. Customers must be Indonesian citizens.
3. Customers are required to use the autodebit facility from their Danamon Bank account as the method of payment for installments. The autodebit registration process can be done at the nearest Danamon or Adira branch.
4. Customers must be employed, professionals or entrepreneurs.
5. Length of employment:
   • Minimum 1 (one) year of employment at the same company.
   • Minimum 2 (two) years of professional experience.
   • Minimum 2 (two) years of entrepreneurial experience.
6. Minimum age of 21 (twenty-one) years or married.
7. Maximum age at the end of the tenor is 55 (fifty-five) years.
8. Not included in the blacklist/negative list of the Financial Services Authority's Financial Information Service System (SLIK) or Bank Indonesia's National Blacklist.
9. For the application mechanism and document requirements for the KPM Prima credit facility, please refer to the terms and conditions for the provision of credit facilities applicable at Adira Finance. Adira Finance's terms and conditions can be accessed at https://www.adira.co.id/produk/metalink/Kredit-Motor.
10. The application process, including the product analysis for KPM Prima, is the sole responsibility of Adira Finance. Therefore, Bank Danamon is not liable for any decisions made by Adira Finance regarding credit applications submitted by customers for the KPM Prima facility.

No	Document	Employee	Professional	Entrepreneur
1	Customer’s National ID (photocopy)	✓	✓	✓
2	Spouse’s National ID (photocopy)	✓	✓	✓
3	Family Card/Marriage Certificate (photocopy)	✓	✓	✓
4	SHM/SHGB/SHGU/AJB certificate (photocopy) or	✓	✓	✓
	Proof of Electricity/Water/Phone Bills (photocopy)
5	Tax Identification Number (photocopy)	✓	✓	✓
6	Bank account statement/savings account statement for the last 3 months/other financial data (proof of transaction) (photocopy)	✓	✓	✓
7	Trading Business License (photocopy)			✓
8	Practicing License (photocopy)		✓

V. Customer Complaints

1. Customers can submit complaints regarding banking transactions/services either verbally or in writing through the nearest Bank Danamon branch office or Hello Danamon (1-500-090) or via email at hellodanamon@danamon.co.id.
2. The procedure for Customer Complaints can be accessed via the page https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah

1. The credit products marketed by Adira Finance are KPM Prima products from Adira Finance, which are marketed through a partnership with Bank Danamon and are not Bank Danamon products. All responsibility and risk associated with these credit products are solely the responsibility of Adira Finance. Therefore, any issues or complaints regarding the products and/or services should be directed to Adira Finance. The use of Bank Danamon's logo or attributes is solely for the purpose of indicating the collaboration between Adira Finance and Bank Danamon.
2. The General Terms and Conditions of this Program are an integral part of the ‘General Terms and Conditions of Banking Accounts and Services’/‘General Terms and Conditions of Sharia Banking Accounts and Services’ and ‘General Terms and Conditions of D-Bank PRO’. In the event of any discrepancy or conflict between these provisions and the General Terms and Conditions of the Program, the General Terms and Conditions of the Program shall prevail.
3. The Customer hereby acknowledges that the Bank reserves the right to amend/change/supplement the benefits, risks, fees and/or terms and conditions in the General Terms and Conditions in accordance with the provisions of the applicable laws and regulations.
4. The Bank shall notify and confirm any additions to obligations, reductions in benefits and/or rights (“Changes”) to the Customer no later than 30 (thirty) Business Days prior to the effective date of the Changes (“Change Notification Period”) through the Bank's branches and/or other media in accordance with applicable laws and regulations.
5. The Customer understands that for certain Changes in accordance with the provisions of applicable laws and regulations, the Change Notification Period may be exempted.
6. If the Customer does not agree to the Changes, the Customer may submit their objections to the Bank within the Change Notification Period. The Customer has the right to terminate the Card membership by first settling all of the Customer's obligations to the Bank (if any).
7. The Customer agrees that the Bank will deem the Customer to have agreed to the Changes if the Customer does not submit any objections within the Change Notification Period.
8. The Customer declares that there are no and will be no transactions that indicate money laundering and/or other transactions that are not permitted under the laws and regulations applicable in Indonesia.
9. For every late payment of instalments that exceeds the due date, the Customer will be charged a penalty in accordance with the applicable fees at Adira Finance.
10. If there are indications of fraud, deception, transaction irregularities, unusual transactions, money laundering, and/or actions that are not in accordance with the laws and regulations, Bank Danamon reserves the right to cancel the transaction, cancel participation in the Program, or revoke the award given to the Customer concerned. The Customer remains obligated to settle all outstanding obligations to Bank Danamon (if any).
11. If any provision in the General Terms and Conditions of this Program is prohibited or cannot be enforced or becomes invalid or void by law due to a government or court decision, this shall not affect the validity of the other provisions in the General Terms and Conditions of this Program, and the other provisions shall remain valid and binding and enforceable as stipulated in the General Terms and Conditions of this Program.
12. The General Terms and Conditions of this Program have been adjusted to comply with the provisions of laws and regulations, including the provisions of the Financial Services Authority (OJK).
13. PT Bank Danamon Indonesia is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia and is a participant in the Deposit Insurance Agency (LPS).