"This credit is to finance activities in the area of agriculture and agro-business with a temporary nature"

  Loan Amount

Maximum $2,000.00

  Loan Term

Maximum 12 months / 1 year (based on the season crop)

  Interest Rate

6% per annual (flat-rate)

  Payment Plan

Monthly interest payment and principal payment on the loan maturity


In short-term loan, the principal payment is based on loan maturity and increase the working capital of agriculture activities.

Personal Criteria

  • Demonstrate good personal character, honesty, and responsibility.
  • Must run own farm(rice field, coffee plantation, and others).
  • Must have income or a valuable asset(salary, land certificate, or vehicle registration certificate) as a guarantee.
  • Willing to accept the responsibility.


Terms and Conditions

The loan amount is a maximum of $2,000.00 
Loan Term is a maximum of 12 months / 1 year (based on seasonal crop)
The interest rate is 6% per annual (flat rate)
The penalty is 12% per annual for late payment penalty (1% each month of the loan amount)
Guarantees are movable and immovable property
Payment Plan is monthly interest payment and principal payment on loan maturity

Documents Requirement

  • Loan requests or proposals include loan amount and financial activities plan.
  • 1 copy of a color passport-size photo (3x4)
  • Electoral copy for the applicant and spouse (for married person)
  • Fill up and complete the loan application form that is prepared by BNCTL staff
  • List of agriculture or agri-business groups that are acknowledged by the chief of the group.
  • List of financial costs to perform the agriculture activities (Financial Plan).
  • List of assets and cash flow.
  • A guaranteed Loan is a movable and immovable property
  • Observation on the spot report regarding the farm (field and address) that is prepared by BNCTL staff

 Brochure of Credit Click Here.