Pinjaman Tanpa Agunan Karyawan (dengan kerjasama) adalah Pinjaman kepada karyawan perusahaan dengan tanpa jaminan untuk keperluan mendesak karyawan yang perusahaannya harus melakukan kerjasama dengan Koperasi, dengan sistem pembayaran angsuran potong gaji. PITA Kawan merupakan pinjaman tanpa agunan yang prosesnya cepat, mudah, bisa di ajukan kapan saja. Tidak hanya untuk karyawan, juga memberikan banyak benefit kepada perusahaan-perusahan yang telah melakukan Perjanjian KerjaSama dengan Koperasi TC Invest

Manfaat

√ Proses mudah dan cepat, selama ketentuan terpenuhi

√ Bunga Bersaing

Target market

Karyawan perusahaan swasta, sekolah, karyawan BUMD, PNS dan Karyawan BUMN

Fitur Produk

Tujuan Pinjaman : Untuk membiayai kebutuhan konsumtif karyawan.

Limit Pinjaman : > Rp 1juta s.d Rp 5 juta.

Jangka Waktu : Maksimal 12 (dua belas) bulan

Valuta : Rupiah

Sifat Pinjaman : Non Revolving

Suku bunga : 2.5%-3% flat per bulan

Provisi dan biaya administrasi : 3% dari limit pinjaman

Biaya lainnya :

  • Biaya materai sesuai ketentuan dan pemakaian.
  • Biaya premi asuransi kerugian dan asuransi jiwa.
  • Biaya yang timbul dibebankan kepada calon debitur dan harus dibayar paling lambat pada saat penandatanganan Perjanjian Pinjaman.
  • Biaya–biaya yang telah disetorkan, tidak dapat ditarik kembali oleh sebab apapun.

Sistem Pembayaran : angsuran bulanan melalui pemotongan payroll.

Debitur eksisting yang memenuhi kriteria, diperkenankan top-up (sesuai review koperasi)

Sistem Pembayaran : Bulanan

Agunan Pinjaman :

  • Tanpa agunan
  • Pembuatan Perjanjian Kerjasama dengan perusahaan

Status peminjam : Status peminjam yang dapat diterima adalah :

  • Atas nama calon debitur sendiri.
  • Harus karyawan tetap
  • Jika karyawan kontrak harus terdapat surat rekomendasi dari perusahaan
  • Peminjam wajib melunasi seluruh sisa kredit jika yang bersangkutan mengundurkan diri/pensiun / mutasi ke perusahaan atau instansi lain yang tidak memiliki kerjasama dengan koperasi.

Pengikatan pinjaman : Pengikatan pinjaman dilakukan bawah tangan

Denda : Denda keterlambatan pembayaran angsuran Pinjaman (pokok dan bunga) sebesar 0.5% di atas suku bunga yang berlaku dan dihitung dari jumlah tunggakan.

Pelunasan Dipercepat sebagian atau seluruh sisa Pinjaman :

  1. Pelunasan sebagian pinjaman sebelum jatuh tempo diperkenankan, namun dikenakan denda sebesar 4% dari baki debet yang dilunasi.
  2. Pelunasan seluruh Pinjaman sebelum jatuh tempo diperkenankan dengan ketentuan:
  • Dilakukan pada saat tanggal jatuh tempo pembayaran angsuran
  • Pelunasan seluruh pinjaman sebelum jatuh tempo akan dikenakan denda sebesar 3% dari baki debet.
  • Bila tanggal pelunasan tidak sama dengan tanggal jatuh tempo pembayaran angsuran bulanan, maka perhitungan pelunasan seluruhnya sebelum jatuh tempo didasarkan kepada baki debet periode berjalan ditambah bunga berjalan.

Persyaratan dokumen :

  1. Melampirkan bukti diri berupa Kartu Tanda Penduduk (KTP) suami istri , Kartu Keluarga (KK) serta Surat Nikah (bagi yang menikah) atau Surat Cerai (bagi yang berstatus cerai).
  2. Copy
  3. Wajib membuka Tabungan dan menjadi anggota TC Invest atas nama yang bersangkutan minimal 3 bulan.
  4. Slip gaji asli terakhir dan surat keterangan bekerja asli dari perusahaan
  5. Copy rekening koran penggajian atau tabungan penggajian 3 bulan terakhir
  6. Foto dan rekening listrik atau pam terakhir
  7. Foto 4×6 2 lembar

Informasi lebih lanjut :

Untuk keterangan lebih lanjut mengenai produk-produk kami, silahkan anda hubungi Customer Care TCI di (021) 223 46 427

Unsecured Employee Loans

Unsecured Employee Loans (with cooperation) are Loans to employees of the company with no warranty for the urgent need of employees whose companies have to cooperate with the Cooperative, with a pay cut wage payment system. PITA Kawan is a loan without collateral that the process is fast, easy, can be proposed at any time. Not only for employees, it also provides many benefits to companies that have made a Cooperation Agreement with TC Invest Cooperative.

Benefits
√ The process is easy and fast
√ Competitive Interest

Target market

Employees of private companies, schools, employees of BUMD, PNS and BUMN employees

Product Features
Loan Objective : To finance employees’ consumptive needs.
Loan Limit :> IDR 1juta s.d IDR 25 juta. (Existing borrowers who meet the criteria, are allowed to top-up (as per the cooperative review)
Duration : Maximum 24 (twenty four) months
Currency : Rupiah
Nature of Loans : Non Revolving
Interest Rate : 2.5% Flat per month
Provision and administrative fee : 3% of loan limit

Other costs
• Fees for stamps in accordance with the usage.
• The cost of demage insurance and life insurance.
• Expenses incurred are borne by the debtor and must be paid at least by the time of signing the Loan Agreement.
• Fees that have been deposited, can not be withdrawn by any cause.

Payment System: monthly installments through payroll deductions

Existing debtors who meet the criteria, are allowed to top-up (according to cooperative review)

Payment System: Monthly

Collateral Loans
• Unsecured
• Establishment of Cooperation Agreement with the company

Acceptable collateral status is based on following criteria:
• On behalf of the prospective borrower himself.
• Must be permanent employees.
• If the contract employee must have a letter of recommendation from the company.
• The borrower is required to pay off the remaining balance of the credit if the resignation / retirement / transfer to a company or other agency that has no cooperation with the cooperative.

Loan binding: Loan bending is done by hand

Fine

Fines for late payment of Loan (principal and interest) installments of 0.5% above the prevailing interest rate and calculated from the amount of arrears

Repayment Accelerated part or all of the remaining loan

  1. Partial repayment Loans before maturity are permitted, but are subject to a fine of 4% of the outstanding debit balance.
  2. The repayment of all Loans prior to maturity is permitted by the following provisions:
  • Performed on the due date of monthly installment payment.
  • Repayment of all Loans before maturity will be subject to a fine of 3% of the outstanding balance.
  • If the repayment date is not the same as the monthly installment payment due date, the full repayment before maturity is based on the outstanding balance of the current period plus the current interest

Document requirements:

  1. Attach proof of self in the form of identity card (KTP) husband and wife, Family Card (KK) and Marriage Letter (for a married person) or Divorce Letter (for a divorced person).
  2. Original copy of NPWP
  3. Required to open a Savings Account and become a member of the TC Invest on behalf of the person concerned.
  4. Original salary slip and working certificate from the company.
  5. Copy of payroll or payroll bank account for the last 3 months.
  6. Latest photograph and electricity bill or PAM.
  7. Photo 4 × 6, 2 sheets.

Further information :
For more information about our products, please contact our Customer Care at (021) 223 46 427