{"id":576,"date":"2025-02-17T17:02:37","date_gmt":"2025-02-17T17:02:37","guid":{"rendered":"http:\/\/202.150.130.254:8080\/wp-pegadaian\/?p=576"},"modified":"2025-06-17T01:36:29","modified_gmt":"2025-06-17T01:36:29","slug":"kca-ultra-miko-umi-gadai-emas-fitur-ultra-mikro","status":"publish","type":"post","link":"https:\/\/pgd.oneportalsegmen.click\/?p=576","title":{"rendered":"KCA Ultra Mikro (UMi)"},"content":{"rendered":"\n

Syarat <\/h1>\n\n\n\n
    \n
  1. Wajib memiliki usaha<\/li>\n\n\n\n
  2. Tujuan kredit produktif, usaha modal kerja, investasi dan
    pembelian barang jasa<\/li>\n\n\n\n
  3. Bersedia dilakukan survei<\/li>\n\n\n\n
  4. NIK terverifikasi Dukcapil dan satu NIK hanya berhak
    mendapat satu pinjaman KCA UMi<\/li>\n\n\n\n
  5. Fotokopi KTP yang masih berlaku<\/li>\n\n\n\n
  6. Menyerahkan barang jaminan yaitu emas perhiasan, emas batangan, dan berlian<\/li>\n<\/ol>\n\n\n\n

    Ketentuan Umum<\/h1>\n\n\n\n
      \n
    1. Untuk pelaku usaha ultra mikro<\/li>\n\n\n\n
    2. Untuk kebutuhan produktif dengan maksimal uang pinjaman Rp20.000.000<\/li>\n\n\n\n
    3. Memiliki usaha sudah berjalan minimal 1 tahun<\/li>\n\n\n\n
    4. Nasabah mendapatkan diskon sewa modal jika dinyatakan memenuhi syarat atau layak<\/li>\n\n\n\n
    5. Tarif sewa modal 1,2% per 15 hari<\/li>\n\n\n\n
    6. Jangka waktu pinjaman maksimal 4 bulan (120 hari)<\/li>\n\n\n\n
    7. Pinjaman mulai dari Rp1.000.000 \u2013 Rp20.000.000<\/li>\n\n\n\n
    8. Biaya administrasi Rp20.000 \u2013 Rp50.000<\/li>\n\n\n\n
    9. Pinjaman Rp1.000.000 \u2013 Rp2.500.000 = Rp20.000<\/li>\n\n\n\n
    10. Pinjaman > Rp2.500.000 \u2013 Rp5.000.000 = Rp35.000<\/li>\n\n\n\n
    11. Pinjaman > Rp5.000.000 \u2013 Rp20.000.000 = Rp50.000<\/li>\n<\/ol>\n\n\n\n

      Proses Bisnis<\/h2>\n\n\n\n
        \n
      1. Nasabah mengajukan pinjaman<\/li>\n\n\n\n
      2. Petugas memproses pengajuan<\/li>\n\n\n\n
      3. Nasabah menyetujui besar pinjaman dan menandatangani
        akad kredit<\/li>\n\n\n\n
      4. Nasabah menerima pinjaman secara cash atau transfer<\/li>\n\n\n\n
      5. Petugas Mikro melakukan survei dan data akan diverifikasi SIKP otomatis oleh sistem<\/li>\n\n\n\n
      6. Saat nasabah terverifikasi atau layak maka berhak mendapat fasilitas UMi<\/li>\n\n\n\n
      7. Nasabah mendapat diskon saat melakukan pelunasan, untuk diskon sewa modal sebesar 0,15%\/15 hari<\/li>\n<\/ol>\n\n\n\n

        Catatan:<\/em><\/strong><\/p>\n\n\n\n

          \n
        • Pencairan kredit gadai bisa melalui transfer : Mandiri, BNI, BRI, BCA, BTN<\/em><\/li>\n\n\n\n
        • Asuransi Jasa Raharja : Asuransi Kematian (kecelakaan & alami)<\/em><\/li>\n\n\n\n
        • Penyaluran KCA UMi hanya berlaku untuk transaksi pinjaman baru<\/em><\/li>\n\n\n\n
        • Kriteria nasabah yang mendapatkan diskon sewa modal pada saat pelunasan produk KCA UMi<\/em>\n
            \n
          • Belum mempunyai KUR\/pembiayaan UMi lain<\/em><\/li>\n\n\n\n
          • Belum mempunyai produk Pegadaian Rahn UMi<\/em><\/li>\n\n\n\n
          • Pinjaman terverifikasi pada SIKP UMi<\/em>.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n
            \"\"<\/figure>\n","protected":false},"excerpt":{"rendered":"

            Syarat Ketentuan Umum Proses Bisnis Catatan:<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"saved_in_kubio":false,"footnotes":""},"categories":[26],"tags":[],"class_list":["post-576","post","type-post","status-publish","format-standard","hentry","category-kca"],"_links":{"self":[{"href":"https:\/\/pgd.oneportalsegmen.click\/index.php?rest_route=\/wp\/v2\/posts\/576","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pgd.oneportalsegmen.click\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pgd.oneportalsegmen.click\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pgd.oneportalsegmen.click\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/pgd.oneportalsegmen.click\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=576"}],"version-history":[{"count":5,"href":"https:\/\/pgd.oneportalsegmen.click\/index.php?rest_route=\/wp\/v2\/posts\/576\/revisions"}],"predecessor-version":[{"id":28646,"href":"https:\/\/pgd.oneportalsegmen.click\/index.php?rest_route=\/wp\/v2\/posts\/576\/revisions\/28646"}],"wp:attachment":[{"href":"https:\/\/pgd.oneportalsegmen.click\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=576"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pgd.oneportalsegmen.click\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=576"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pgd.oneportalsegmen.click\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=576"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}