[{"_1":2,"_118":-5,"_119":-5},"loaderData",{"_3":4,"_28":29,"_30":31},"root",{"_5":6,"_7":-5,"_8":9},"locale","en","session","ENV",{"_10":11,"_12":13,"_14":15,"_16":17,"_18":19,"_20":21,"_22":23,"_24":25,"_26":27},"APP_ENV","production","APP_URL","https://veritask.ai","GA_MEASUREMENT_ID","G-X1BV3QBZEM","META_PIXEL_ID","4698743733686194","TIKTOK_PIXEL_IDS","D8A3HTBC77U9J3L243V0","CLARITY_PROJECT_ID","wn9rn7xb4l","AMPLITUDE_API_KEY","74a0c7cc1509a379d3647ec140dd375","MIDTRANS_CLIENT_KEY","Mid-client-hwjEU5pmwAKVMbIA","MIDTRANS_SNAP_URL","https://app.midtrans.com/snap/snap.js","routes/$locale",{"_5":6},"routes/$locale.search-engine.regulation.$regulationId",{"_32":33,"_34":35},"regulationId","db2aa6bf-8507-4621-82d5-243336d5df68","regulationData",{"_36":33,"_37":38,"_114":115,"_116":117},"regulation_id","overview",{"_39":40,"_41":42,"_43":44,"_45":46,"_47":48,"_49":48,"_50":51,"_52":53,"_59":60,"_61":62,"_65":66,"_67":68,"_69":70,"_71":72,"_73":-5,"_74":-5,"_75":-5,"_76":77,"_78":-5,"_79":80,"_81":82,"_83":84,"_85":86,"_92":93,"_98":-5,"_99":-5,"_100":-5,"_101":102,"_107":-5,"_108":-5,"_109":-5,"_110":-5,"_111":-5,"_112":113},"title","Surat Edaran Bank Indonesia Nomor 3/3/BKr Tahun 2001 tentang Proyek Kredit Mikro","short_title","Surat Edaran Bank Indonesia Nomor 3/3/BKr Tahun 2001","number","3/3/BKr","year","2001","published_date","2001-01-16","effective_date","status_id","89192b77-602e-484c-89df-4fd3166b732a","status",{"_54":51,"_55":56,"_57":58},"id","name","Tidak Berlaku","description","Peraturan yang sudah tidak berlaku karena dicabut, diubah, atau habis masa berlakunya","type_id","bd6c5afa-2420-4c60-b016-c6a4171edb4d","type",{"_54":60,"_55":63,"_64":63},"Surat Edaran Bank Indonesia","short_name","subjects",[],"tags",[],"location","Bank Indonesia","place_of_enactment","Jakarta","theme","subject_matter","abstract","regulatory_relationship","Peraturan ini mencabut: 1. Surat Edaran Bank Indonesia No. 31/1/UK tanggal 5 Mei 1998 tentang Proyek Kredit Mikro.","scope_and_parties","policy_content","Surat Edaran ini diterbitkan sebagai pedoman pelaksanaan Peraturan Bank Indonesia No. 3/1/PBI/2001 tentang Proyek Kredit Mikro (PKM). Tujuan utama kebijakan ini adalah untuk mengatur tata cara operasional penyaluran kredit mikro melalui Bank Pembangunan Daerah (BPD), Bank Perkreditan Rakyat (BPR), dan Lembaga Pengembangan Swadaya Masyarakat (LPSM) di wilayah kerja Kantor Bank Indonesia (KBI) tertentu. Pelaksana proyek adalah KBI, sementara BPD dan BPR bertindak sebagai bank peserta yang menyalurkan dana kepada nasabah mikro atau LPSM. Kredit PKM ditujukan untuk pembelian aset produktif berupa komputer dan kendaraan bermotor, serta pemberian modal kerja bagi pengusaha mikro baru maupun nasabah ulangan. Bank peserta diwajibkan mengajukan permohonan kredit ke KBI, menandatangani Akad Penerusan Pinjaman (APP), dan menyerahkan Aksep sebagai jaminan. Selain itu, bank peserta wajib memenuhi persyaratan administratif, termasuk pemberian surat kuasa pendebetan rekening untuk pembayaran angsuran pokok, bunga, dan sanksi. Kebijakan ini juga menetapkan mekanisme penarikan dana, jadwal pembayaran angsuran secara triwulanan, serta kewajiban pelaporan berkala kepada KBI untuk memastikan transparansi dan akuntabilitas penggunaan dana kredit.","transitional_provisions","(-)","sanctions","1. Pelanggaran terhadap kewajiban pembayaran angsuran pokok dan bunga tepat pada waktunya dikenakan sanksi administratif berupa pendebetan langsung oleh KBI terhadap rekening giro BPD atau rekening giro/tabungan BPR di bank umum yang ditunjuk.","revokes",[87],{"_88":89,"_90":91},"text","31/1/UK","link","","revoked_by",[94],{"_88":95,"_90":96,"_36":97},"8/8/PBI/2006","https://peraturan.bpk.go.id/Details/137958/peraturan-bi-no-88pbi2006","7de1f17c-dd51-4832-b81a-73dc207ba717","partially_revokes","partially_revoked_by","amends","amended_by",[103],{"_88":104,"_90":105,"_36":106},"Surat Edaran Bank Indonesia Nomor 3/22/BKr Tahun 2001","https://jdih.bi.go.id/Web/Beranda/DetailPeraturan/998","3ace37b1-8da4-401f-a7fe-b1b425b280c1","partially_amends","partially_amended_by","establishes","established_by","constitutional_review","is_verified",false,"english_excerpt","

CIRCULAR LETTER NO.3/3/BKr
Revoking Circular Letter No.31/1/UK dated 5-5-1998
CIRCULAR LETTER NO.3/3/BKr Amended by Circular Letter No.3/22/BKr dated 14-8-2001
No.3/ 3 /BKr
Jakarta, 16 January 2001

C I R C U L A R L E T T E R

To
COMMERCIAL BANKS AND RURAL BANKS

Subject : Micro Credit Project

Based on Bank Indonesia Regulation No.3/1/PBI/2001 dated 4 January 2001 on the Micro Credit Project, it is necessary to regulate the implementation of the Micro Credit Project as follows:

A. PROCEDURES FOR PARTICIPATION IN THE MICRO CREDIT PROJECT (PKM)

1. The project executor is the Bank Indonesia Office (KBI) located in the regions of West Java, Central Java, East Java, West Nusa Tenggara, South Kalimantan, Special Region of Aceh, Special Region of Yogyakarta, North Sumatera, West Sumatera, Bali, Riau, South Sulawesi, North Sulawesi, Bengkulu, and Lampung.

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