Eligibility requirements:
- Public servants, military, police, BUMN, BUMD and eligible private employees.
- Proof of employment and salary received via Bank Mandiri required.
- Mandatory documents: copy of KTP, NPWP and, if applicable, SK for TNI/POLRI members.
- Documentation may vary according to the employer’s internal requirements.
Mandiri KSM application steps:
- Access the Livin’ by Mandiri app, go to the loans section.
- Fill out the application with your personal and financial information.
- Upload the required documents digitally.
- Wait for the bank’s analysis and approval.
- Upon approval, the amount will be deposited directly into your account.
Frequently asked questions
How long does it take to get approved for a Bank Mandiri?
Approval is usually fast, especially for customers who already receive their salary via Mandiri.
Is it required to explain why credit is being used?
Yes, you must state the purpose, such as travel, health, education or business, in line with bank policy.
Do I need to have a good credit score to be approved for a Bank Mandiri?
While the bank checks your financial profile, it’s easier if you’re already a payroll client at Mandiri.
Can I apply for a loan if I am self-employed?
No. Mandiri KSM is only available to salaried employees with active payroll at the bank.