Multi-Purpose Loan (MPL)
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The General Terms and Condition of Multi Purpose Loan (MPL)​

The General Terms and Conditions of the Multi-Purpose Loan (MPL) Product (“General Terms and Conditions of the Product”) are the terms and conditions applicable to Customers who apply for the Multi-Purpose Loan (MPL) (“Product”) offered by PT Bank Danamon Indonesia Tbk (“Bank Danamon”) in collaboration with PT Adira Dinamika Multi Finance Tbk (“Adira Finance”).

Program Period

The program period runs from 1 September 2025 to 30 September 2025

Benefits of Multi-Purpose Loan (MPL)

  1. Fixed interest rate/ujrah starting from 0.46% per month for one-year financing.
  2. Conventional and sharia schemes available.
  3. No provision fee for motorcycle ownership certificate (BPKB) as collateral
  4. Simpler credit document requirements
  5. Comprehensive insurance covering:
    • TLO: Total Lost Only
    • All Risk

Participant Criteria & Document Requirements

The criteria for customers who can apply for this Multi-Purpose Loan (MPL) product are as follows:
  1. Danamon Bank customers who have an active savings account (not dormant).
  2. Customers must be Indonesian citizens.
  3. Customers must be employed, professionals or entrepreneurs.
  4. 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
  5. Minimum age is 21 (twenty-one) years or married.
  6. Maximum age at the end of the tenor is 55 (fifty-five) years old.
  7. Passed the Financial Information Service System (SLIK) check by the Financial Services Authority (OJK) and not listed in the Bank Indonesia's National Blacklist.
  8. For the application mechanism and document requirements for the Multi-Purpose Loan (MPL) facility, 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-Multiguna-Jasa
  9. The application process, including the analysis of the Multi-Purpose Loan (MPL) product, is the sole responsibility of Adira Finance. Therefore, Bank Danamon is not liable for any decisions made by Adira Finance regarding the Multi-Purpose Loan (MPL) credit applications submitted by customers.
    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) ✓

Pricing Table

Information regarding interest rates, financing terms, administrative fees, provisions, and vehicle insurance is as follows:

MPL / REFINANCING / TAKE-OVER CAR

Description Tenor
11 23 35 47 59
Flat Rate / Ujrah* CAR Per Month
PH >150 million		 0,46% 0,51% 0,55% 0,60% 0,79%
Flat Rate / Ujrah* CAR Per Month
PH ≤ 150 million		 0,48% 0,54% 0,57% 0,62% 0,82%
Admin Fee IDR 2,800,000.- IDR 3,200,000.- IDR 3,500,000.-
Provision 1%
Vehicle Insurance TLO/Mix/Compre
*The interest rates listed in the table are monthly interest rates, and Ujrah for MPL Syariah is only applicable in the ACEH RAYA region.

MPL / REFINANCING/ TAKE-OVER MOTORCYCLE

Description Tenor (in months)
11 23 35 47
Flat Rate / Ujrah* CAR Per Month
PH >50 million		 1,46% 1,57% 1,67% 1,79%
Flat Rate / Ujrah* CAR Per Month
PH ≤ 50 million		 1,09% 1,06% 1,13% 1,22%
Admin Fee IDR 750.000,-
Provision 0%
Asuransi Kendaraan TLO
*The interest rates listed in the table are monthly interest rates, and Ujrah for MPL Syariah is only applicable in the ACEH RAYA region.

Installment Simulation

Simulation of Loan Installments With Car Title (BPKB) as Collateral
Disbursement
(IDR)		 Installment (IDR)
35x 47x 59x
50,000,000 2,015,000 1,643,000 1,530,000
100,000,000 3,767,000 3,048,000 2,814,000
150,000,000 5,541,000 4,469,000 4,124,000
200,000,000 7,270,000 5,850,000 5,384,000
Simulation of Loan Installments With Motor Vehicle Ownership Certificate (BPKB) as Collateral
Disbursement
(IDR)		 Installment (IDR)
23x 29x 35x
5,000,000 394,000 344,000 318,000
10,000,000 690,000 597,000 545,000
15,000,000 1,012,000 876,000 800,000
20,000,000 1,308,000 1,129,000 1,027,000
*The above estimate is not a loan approval, is non-binding, and is subject to further assessment and applicable terms and conditions.

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/en/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah

Other Terms and Conditions

  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 intended to indicate 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 will notify and confirm any additions to obligations, reductions in benefits and/or rights (“Changes”) to the Customer no later than 30 (thirty) Business Days before the Changes take effect (“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 consider 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, misconduct, 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 the Customer's participation in the Program, and/or revoke any prizes awarded 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 virtue of 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).

Reminder

Customers must be cautious of fraud committed by individuals acting on behalf of Bank Danamon by promising gifts of any kind. Any fraud or other criminal acts committed by other parties/third parties associated with or acting on behalf of the Program are outside the authority of Bank Danamon.
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