The Swadharma Cooperative application is a special application for members, where the members consist of active employees of PT. Bank Negara Indonesia (Persero) Tbk. , BNI retirees, employees of subsidiary companies and employees of social organizations within BNI.
This application accommodates members in accessing information on savings, loans and other Swadharma Cooperative products.
The facilities in this application are:
- Check Member Savings Balances (Mandatory Savings, Principal Savings, Students, and Siska).
- Check Member Loan Balances

Loan facilities only apply to registered Swadharma Cooperative members.
Member Loan Facilities consist of several types of loans, namely:
- Regular loans
A form of providing loan facilities to Cooperative Members who have a regular income for purposes such as house renovations, down payments for purchasing a house/lot/land, purchasing vehicles, school children's needs, maintenance/health costs, the need for goods or services that are "consumable" or do not produce a product/service and are not for business activities.
Loans with a term of 1 to 120 months with interest of 17% per year.
Maximum loan up to IDR 100,000,000 (one hundred million rupiah) is not required to provide additional collateral.
Maximum loans above IDR 100,000,000 to IDR 500,000,000 are required to submit additional collateral

- Incidental Loans
Incidental Loans are loans given to Cooperative Members with clear underlyings in the form of Bonuses, OPCT, OPCB, PMB, Severance Pay, Appreciation Money, Pension Benefits and Term Swadharma Savings with loan interest of 15% per year.

Jakarta Swadharma Cooperative
Jalan Doctor Saharjo No 204 Tebet – South Jakarta 12870
Tel. 021-8312628
Fax 021-8312637
Email: [email protected]