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Unclaimed
Discovery tool, not advice. Every figure is the published rule, not a decision on your case.
Loans

Ultra Micro Financing (UMi)

Pembiayaan Ultra Mikro (UMi)

Status

Open continuously

No deadline — apply whenever you are ready.

Always open
Amount
Not published

Financing for ultra-micro businesses that are not yet bankable, delivered through non-bank lenders. The PIP page gives capital need up to Rp 20 million; the Ministry of Finance FAQ states facility up to Rp 10 million per customer.

Funder

Pusat Investasi Pemerintah (PIP), Kementerian Keuangan

public · national

Deadline: Open all year — Standing programme delivered through licensed lenders (LKBB); apply at an UMi lender.

Your odds
Not published

This funder does not publish a success rate. We rank it using the rate observed across similar programmes and label it as an estimate rather than implying we know.

Effort
quick

Quick — mostly identity and bank details.

Who can apply

Individual or group ultra-micro business operators with capital need up to Rp 20 million, not receiving other government credit programmes, holding an electronic national ID (e-KTP), so in practice Indonesian citizens.

Related reading: How grant deadlines actually work · The EU SME definition (Recommendation 2003/361)

Apply on the funder's site

Source. https://pip.kemenkeu.go.id/apa-itu-pembiayaan-umi

"Pelaku UMi perorangan maupun kelompok. Kebutuhan modal maksimal Rp 20 juta. Tidak sedang menerima kredit program pemerintah lainnya. Memiliki KTP elektronik"

Last checked against the official page on 5 October 2026

Source: pip.kemenkeu.go.id

Report an error Something wrong or out of date? Tell us.

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