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KRK & KAB

KRK J Trust (Kredit Rekening Koran)

Short term loan facility where funds is available within customers account in J Trust Bank. Settlement and loan withdrawals can be done repeatedly by depositing and withdrawing funds directly from the account. Withdrawals by cheque/current account slip up to approved limit. Term of facility maximum of 12 months since loan agreement signing and can be extended.

  • Flexible working capital loan for customer’s cash flow.
  • Fluctuating working capital for daily business operational needs.
  • Gives flexible and ease of commerce transaction with customer’s business partner, since withdrawals can be done at any time.

formula kap

KAB J Trust (Kredit Angsuran Berjangka)

A short term working capital loan with installments. Withdrawals can be adjusted to debtor’s plan and have a availability period. Duration of loan can facilitate more than 12 months after signing the credit agreement, with the maximum term of payment adjusted with underlying transaction’s term.



Flexible working capital loan for customer’s cash flow.

Giving debtors choice to have working capital loan with installments.

Interest calculation formula

Interest = (Loan Balance x Interest (%) x Duration of loan days)/360

* Loan balance is the amount of loan useable (outstanding)

Installment/month = Principal installment + Interests

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