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PT. BPR KS

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uuid0021j24

Namestring
PT. BPR KS
Legal namestring
PT Bank Perekonomian Rakyat Karyajatnika Sadaya
Websiteurl
bprks.co.id
Company typeenum
Private
Founded yearint
1990
Descriptiontext

PT. BPR KS (PT Bank Perekonomian Rakyat Karyajatnika Sadaya) is an Indonesian rural bank (Bank Perekonomian Rakyat) established on September 14, 1990, headquartered at Jl. Abdurachman Saleh No. 2, Bandung. It operates 35 offices (1 head office plus 34 branch offices) concentrated across West Java, the greater Jakarta (Jabotabek) area, and Karawang, serving micro, small, and medium enterprises (UMKM) and retail individuals under OJK and Bank Indonesia supervision and with Lembaga Penjamin Simpanan (LPS) deposit insurance up to Rp 2 billion per depositor. The bank has ISO 9001:2000 (2003) and ISO 27001:2012 certifications.

The bank's core products span savings (SmartGrow digital savings at 5% p.a. daily-interest, Tabungan Sadaya tiered, Tampan structured savings with cashback or ANTAM gold gifts), time deposits (Deposito Reguler, SmartSave up to 6.25% p.a., Deposito Emas paying in physical gold), and lending (SmartLoan KAB/KABM digital vehicle loans starting 0.83%/month flat, Cicil Emas at 12% effective p.a., Kredit Berjangka Emas gold-collateralized, plus Kredit Modal Kerja, Kredit Investasi, and KB Ekspres for UMKM). Supporting technology includes an NSICCS-migrated core with chip-based ATM/debit cards, the KSku mobile banking app enabling 100% digital onboarding via e-KYC, GPN/BI Fast/QRIS integration, a CRM-integrated system since 2018, and the AKSES+ merchant acquiring platform (EDC Android, MBB Joint, IB Joint) with bill payment, Pulsa, e-wallet, and ticket services.

Revenue is generated primarily through net interest margin on lending minus deposit costs (with deposit rates tiered up to 6.75% p.a. and lending rates from 0.83%/month flat), supplemented by transaction fees on the AKSES+ merchant network (bill payments, Pulsa, e-wallet top-ups, QRIS), fees on gold products (administration, insurance bundling, facilitation), and digital banking transaction fees. Distribution runs through a hybrid model combining relationship-led branch sales, the KSku self-serve mobile channel with referral programs (Rp 10,000 cashback for new accounts; Insentif Referal Emas), and loyalty programs (KS Poin, Hujan Rejeki 2026, SPEKTA). The legal name change to PT Bank Perekonomian Rakyat Karyajatnika Sadaya took effect December 15, 2023, under UU No. 4 Tahun 2023 (UU PPSK).

Short descriptiontext

PT. BPR KS is an Indonesian rural bank founded in 1990 in Bandung, operating 35 branches across West Java, Jabotabek, and Karawang, serving UMKM and retail individuals with savings, deposits, vehicle and gold-backed loans, and digital banking via the KSku app.

Operating statusenum
Operating
Ownership categoryenum
Headcount rangeband
1,001–5,000
akta.pro rankint
HeadquartersBandung, Indonesia
HQ citystring
Bandung
HQ countrystring
Indonesia
HQ regionstring
Asia
Markets served

Serves global market

Offices8 records

Each record includes

City, Country, Type, Description, Source

Keyword5 values
retail banking services, UMKM lending, rural banking Indonesia, microfinance products, merchant payment services
Industry1 code
1Merchant Cash Advance (MCA) & Revenue-Based Financing
CodeFSAKAGADPrimaryYes
NAICS code2 codes
  • Depository Credit Intermediation5221
  • Savings Institutions and Other Depository Credit Intermediation522180
SIC code2 codes
  • State Commercial Banks6022
  • Short-Term Business Credit Institutions6153
Product category
Rural/Community Banking
GTM motion2 records

Each record includes

Type, Description, Source

Revenue model6 records
1Interest Income from Lending
TypeSubscription Recurring
Description

BPR KS extends credit to micro, small, and medium enterprises (UMKM) and retail customers through various loan products including working capital credits (Kredit Modal Kerja), investment credits (Kredit Investasi), consumption credits, vehicle financing (KAB/KABM), gold financing (Cicil Emas, Kredit Berjangka Emas), and SmartLoan digital loans. Interest income is the primary revenue driver. Interest rates vary by product: SmartLoan Mobil from 0.83%/month flat (promo rate), SmartLoan Motor at 1.67%/month flat, Cicil Emas at 12% effective p.a., Kredit Berjangka Emas at 0% interest with monthly administration fees, and Kredit Angsuran Berjangka Asuransi with structured installments up to 48 months.

bprks.co.id
2Interest Income from Deposits
TypeSubscription Recurring
Description

BPR KS accepts customer deposits in the form of savings accounts (Tabungan), time deposits (Deposito), and structured savings products (Tampan series). The bank pays interest to depositors at rates below its lending rates, generating net interest margin as a core revenue component. Interest rates offered: SmartGrow savings at 5% p.a. (credited daily), standard savings tiered from 0.25% to 4.50% p.a., time deposits from 5.50% to 6.75% p.a., SmartSave 5.50%-6.25% p.a. (flat), and Tampan savings with cashback incentives.

bprks.co.id
3Merchant Service Fees (AKSES+)
TypeTransaction Fee
Description

BPR KS operates the AKSES+ merchant acquiring ecosystem, providing EDC Android terminals, MBB Joint, and IB Joint services to UMKM merchants. Revenue is generated from transaction fees on bill payments (PLN, telepon, TV kabel, multifinance, PDAM, BPJS), Pulsa and data purchases, e-wallet top-ups (Gopay, Dana, OVO, LinkAja, ShopeePay), QRIS transactions, and ticket purchases. The AKSES+ platform charges merchant service fees on each transaction processed.

bprks.co.id
4Digital Banking Transaction Fees
TypeTransaction Fee
Description

Revenue from transaction fees on mobile and internet banking services, including ATM withdrawals at other banks' networks (ALTO/ATM Bersama), interbank transfers (BI Fast), and cash-out services at retail partners (Indomaret). BI Fast transfers are currently offered free for BPR KS customers via KSku as a promotional strategy to drive digital adoption.

bprks.co.id
5Gold Product Services
TypeTransaction Fee
Description

BPR KS generates fee income from gold-related products including Cicil Emas (gold installment financing), Deposito Emas (gold-backed deposits with ANTAM gold as reward), and Kredit Berjangka Emas (gold-collateralized short-term loans). Revenue includes administration fees, insurance bundling, and facilitation fees on gold transactions.

bprks.co.id
6Referral and Loyalty Program Fees
TypeTransaction Fee
Description

BPR KS operates loyalty programs (KS Poin, Hujan Rejeki, SPEKTA, referral programs) that drive customer engagement and product adoption. While rewards are funded by the bank, increased product utilization (deposits, loans, transactions) driven by these programs generates additional revenue through expanded deposit base and loan portfolio.

bprks.co.id
Marketing channels13 records

Each record includes

Title, Type, Stage, Description, Source

Distribution channels8 records

Each record includes

Title, Type, Scope, Target buyer, Description, Source

Cost components6 values
Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Pricing details16 tiers
1SmartGrow Digital Savings - 5% p.a. interest, zero admin fee
ModelSubscriptionBilling cadenceMonthly
Notes

Initial deposit Rp 50,000. Maximum interest-bearing balance: Rp 1,000,000,000. Interest rate: 5.00% p.a. flat for all balances up to Rp 1 billion. Interest credited daily based on average daily balance. Admin fee: Rp 0 (free). Free transfers to other banks: up to 10x per month. Free e-wallet top-ups (OVO, GoPay, ShopeePay): up to 10x per month. Free cash withdrawal at BPR KS ATMs. Tax: 20% on interest income. Account dormancy: 6 months inactivity.

bprks.co.id
2Deposito Reguler - Term deposits with rates 4.00%-6.75% p.a.
ModelUnit PricingBilling cadencePay-as-you-go
Notes

Minimum placement: Rp 1,000,000. Tenors: 7 days (up to 4.00%), 1 month (up to 5.75%), 3 months (up to 6.00%), 6 months (up to 6.50%), 12 months (up to 6.75%). Non-ARO: funds + interest paid at maturity. ARO: principal renewed, interest transferred to savings account. ARO Roll Over: principal + interest renewed. Early withdrawal penalty: 1% of principal (for placements before 23 Oct 2023), 5% for placements from 3 March 2026. Tax: 20% on interest income.

bprks.co.id
3Deposito Online (SmartSave) - 100% digital, 5.50%-6.25% p.a. flat
ModelUnit PricingBilling cadencePay-as-you-go
Notes

Minimum placement per bilyet: Rp 10,000,000. Maximum accumulation per customer: Rp 500,000,000. Interest rates by tenor: 1 month 5.50%, 3 months 5.75%, 6 months 6.00%, 12 months 6.25%. Flat rate per tenor (not tiered). Interest credited daily to SmartGrow account. Source of funds: SmartGrow account (mandatory, same account holder). Bilyet issued electronically in KSku app. Early withdrawal: 1% penalty on principal + no running interest paid. Opening is 100% digital via KSku.

bprks.co.id
4SmartLoan KAB (BPKB Mobil) - Vehicle loan 0.83% flat/month promo
ModelUnit PricingBilling cadenceMonthly
Notes

Maximum plafond: Rp 200,000,000. Tenor: 6-36 months. Promo interest rate: 0.83% flat/month (10% flat/year). Non-promo rate: 12% flat/year. Administration fee: Rp 0 (free). Early repayment penalty: Rp 0 (free). Late payment penalty: 4 per mille per day after due date. Minimum vehicle year: 2011. Disbursement account: SmartGrow BPR KS. 1-month installment held for last payment. Vehicle conditions: all conditions accepted.

bprks.co.id
5SmartLoan KABM (BPKB Motor) - Motorbike loan 1.67% flat/month promo
ModelUnit PricingBilling cadenceMonthly
Notes

Maximum plafond: Rp 30,000,000. Tenor: 6-36 months. Promo interest rate: 1.67% flat/month (20% flat/year). Non-promo rate: 24% flat/year. Administration fee: Rp 0 (free). Early repayment penalty: Rp 0 (free). Late payment penalty: 6 per mille per day after due date. Minimum vehicle year: 2016. 1-month installment held for last payment.

bprks.co.id
6Cicil Emas - Gold installment financing 12% effective p.a.
ModelUnit PricingBilling cadenceMonthly
Notes

Financing for gold bullion (Logam Mulia) with interest rate 12% effective per year. Tenor: 3-60 months. Down payment (DP): minimum 10%, maximum 50% of gold price. Administration fee: 0.5% of approved financing plafond. No BI Checking required. Digital or wet signature accepted. Late payment penalty: 0.3% per day of overdue installment. Early repayment penalty: 5% of remaining outstanding principal. Gold price reference updated regularly.

bprks.co.id
7Tabungan Sadaya New Klasik - Tiered interest savings 0.25%-4.50% p.a.
ModelUnit PricingBilling cadenceMonthly
Notes

Initial deposit: Rp 0. Minimum average daily balance: Rp 1,000,000. Monthly admin fee: Rp 10,000 (waived if balance exceeds average daily balance). Interest tiers: Rp 1-Rp 999,999: 0.25%; Rp 1,000,000-Rp 7,500,000: 0.75%; Rp 7,500,001-Rp 49,999,999: 1.00%; Rp 50,000,000-Rp 499,999,999: 3.75%; Rp 500,000,000-Rp 999,999,999: 4.00%; Rp 1,000,000,000-Rp 1,999,999,999: 4.25%; >= Rp 2,000,000,000: 4.50%. Free transfers to other BPR KS accounts. Free interbank transfers: up to 5x per month. Free ATM withdrawals at other banks: up to 5x per month.

bprks.co.id
8Tabungan Sadaya Praktis - Low-cost daily transaction savings 0.25%-1.00% p.a.
ModelUnit PricingBilling cadenceMonthly
Notes

Initial deposit: >= Rp 250,000. Minimum balance: Rp 5,000. Interest tiers: Rp 1,000,000-Rp 7,500,000: 0.25%; Rp 7,500,001-Rp 49,999,999: 0.25%; Rp 50,000,000-Rp 499,999,999: 0.25%; Rp 500,000,000-Rp 999,999,999: 0.75%; Rp 1,000,000,000-Rp 1,999,999,999: 0.75%; >= Rp 2,000,000,000: 1.00%. Cash withdrawal limit at BPR KS ATMs: Rp 1,200,000 per transaction, Rp 15,000,000 daily. Cash out at Indomaret: up to Rp 3,000,000 per transaction.

bprks.co.id
9Tampan 1 - Cashback savings 5.25% upfront
ModelUnit PricingBilling cadencePay-as-you-go
Notes

Tenor: 3-24 months. Placement nominal: Rp 5,000,000 - Rp 1,000,000,000. Interest rate: 0% p.a. Cashback: 5.25%/year (before tax), paid upfront on day 1 of account opening. Cashback calculation: 5.25% x (tenor/12) of placement amount, less 20% tax. Can be used as loan collateral: up to 100% of balance at 2% effective spread. Early withdrawal penalty: Rp 100,000 + cashback amount + applicable taxes. Minimum age: 17 years or e-KTP holder.

bprks.co.id
10Tampan 3 (Tabungan) - Target savings with autodebet 5.25%-6.25% p.a.
ModelUnit PricingBilling cadenceMonthly
Notes

Minimum target: Rp 10,000,000. Tenors: 12, 24, 36, 48, 60 months. Interest rates: 12 months 6.25% p.a., 24 months 6.00% p.a., 36 months 5.75% p.a., 48 months 5.50% p.a., 60 months 5.25% p.a. Autodebet from BPR KS savings account. Early closure penalty: 5% of final balance. Account cancelled if 2 full deposits fail due to insufficient balance.

bprks.co.id
11Tampan 3 (Hadiah) - Gift-first savings program with 0% interest
ModelUnit PricingBilling cadenceMonthly
Notes

Minimum gift value: Rp 1,000,000. Tenors: 12-60 months. Down payment (DP): minimum 1x gift value, can be paid in 2 installments in first month. Gift delivered within max 30 working days after DP fully paid. Total installments + DP returned in full at maturity (if all payments on time). Interest rates: 12 months 6.25% p.a., 24 months 6.00% p.a., 36 months 5.75% p.a., 48 months 5.50% p.a., 60 months 5.25% p.a. Early closure: DP + 5% of final balance. Tax: 20% on interest.

bprks.co.id
12Tampan 4 - Tiered interest savings with cashback 2.75%-3.25% p.a.
ModelUnit PricingBilling cadencePay-as-you-go
Notes

Tenor: 3-24 months. Placement: Rp 100,000,000 - Rp 2,500,000,000. Interest rates tiered by balance: < Rp 100,000,000: TA (no interest); >= Rp 100M - < Rp 500M: 2.50%; >= Rp 500M - < Rp 1B: 2.75%; >= Rp 1B - < Rp 2B: 3.00%; >= Rp 2B: 3.25%. Cashback: 2.75%/year before tax paid at maturity. Early withdrawal penalty: 1% of principal + cashback amount + tax.

bprks.co.id
13Tampan 5 - Tiered savings with ANTAM gold gift 0.5%-1.50% p.a.
ModelUnit PricingBilling cadencePay-as-you-go
Notes

Tenor: 6-36 months. Placement: Rp 9,000,000 - Rp 2,500,000,000. Interest rates: < Rp 100M: 0.5%; >= Rp 100M - < Rp 500M: 0.75%; >= Rp 500M - < Rp 1B: 1.00%; >= Rp 1B - < Rp 2B: 1.25%; >= Rp 2B: 1.50%. Gift: ANTAM gold starting from 0.5 gram or 4.5%/year value. Early withdrawal penalty: 1% of principal + gift value + tax.

bprks.co.id
14Kredit Berjangka Emas - Gold-collateralized loan 0% interest with admin fee
ModelUnit PricingBilling cadencePay-as-you-go
Notes

Gold collateral loan with 0% interest. Tenor: 1-4 months (extendable). Gold valuation: Logam Mulia (bullion) at 90% of buyback price; jewelry/scrap gold at 80% of buyback price. Administration fee paid at maturity: calculated per month of actual usage. No penalty for early repayment. Late penalty: 0.3% per day of overdue installment.

bprks.co.id
15Deposito Emas - Gold reward deposit 5% p.a. in ANTAM gold
ModelUnit PricingBilling cadencePay-as-you-go
Notes

Deposit with gold reward (not cash interest). Tenor: 1, 3, 6, 12 months. Reward rate: equivalent to 5% p.a. paid in ANTAM gold grams. Minimum deposit for 1 gram ANTAM: Rp 850,000,000 (1 month), Rp 280,000,000 (3 months), Rp 140,000,000 (6 months), Rp 70,000,000 (12 months). Tax: 20% on gold value. Non-ARO only. Early withdrawal penalty: 5% of principal + return of gold already received.

bprks.co.id
16Kredit Angsuran Berjangka Asuransi - Vehicle loan with insurance 12-36 months
ModelUnit PricingBilling cadenceMonthly
Notes

BPKB-backed car loan with mandatory vehicle insurance (TLO or Comprehensive). Tenors: 12, 18, 24, 36 months. Plafond range: Rp 10,000,000 - Rp 100,000,000. Monthly installments vary by plafond and tenor (e.g., Rp 100M at 36 months = Rp 3,278,000/month). No provisi or administration fees for new debtors. Insurance bundled. Documents: KTP, KK, NPWP, PBB/rekening listrik, mutasi rekening, BPKB + STNK.

bprks.co.id
GTM typeB2B and B2C
B2B and B2C
Offering typeServices
Services
Brand1 of 8 records shown
1SmartGrow
Description

Digital savings account with 5% p.a. interest paid daily, zero admin fees, accessible via KSku mobile banking app.

bprks.co.id
+7 more records
Core offering1 text field

PT. BPR KS is a community/rural bank that collects funds through savings and time-deposit products and channels them into consumer and micro/SME loans, alongside deposit-insured, LPS-guaranteed accounts. The bank serves retail individuals and UMKM (micro, small and medium enterprise) customers across West Java, Jabotabek and Karawang through 35 offices, digital channels (KSku mobile banking, Internet Banking), and the AKSES+ merchant acquiring ecosystem. Its portfolio spans tiered savings, gold-backed and sharia-compliant deposits, vehicle/motorcycle financing, gold-backed consumer credit, working capital and investment loans, and merchant payment acceptance.

Differentiator
Functional benefit
Problem solved
Quantifiable outcome1 of 6 values shown
  • 5% p.a. interest rate credited daily on SmartGrow digital savings with zero admin fee
+5 more records
Product overview1 text field

PT. BPR KS (Bank Perekonomian Rakyat Karyajatnika Sadaya) operates as a regional rural bank offering a comprehensive suite of banking products and services. The company provides individual and business banking solutions through multiple channels including 35 branches across West Java and Jabotabek. Core offerings include savings accounts (SmartGrow digital savings, Tabungan Sadaya New Klasik, Tabungan Sadaya Praktis, TabunganKu), target savings products (Tampan 1/3/4/5 with various cashback and gift schemes), time deposits (Deposito Reguler, Deposito Online, Deposito SmartSave with daily interest payments, Deposito Emas with gold returns, Deposito Bundling Asuransi), credit products (SmartLoan KAB/KABM digital vehicle loans, Kredit Berjangka Emas, Cicil Emas installment, working capital and investment loans), and digital banking platforms (Mobile Banking KSku, Internet Banking). Business solutions are offered through AKSES+ EDC and merchant services. The bank integrates with various payment systems including BI Fast, QRIS, ATM Bersama/ALTO networks, and multiple bill payment and e-wallet services.

Product and service32 records
1SmartGrow Digital Savings
CategorySavings (Digital)
Description

Digital savings account that can be opened entirely online through the KSku mobile banking application, targeted at retail customers seeking a convenient, paperless savings experience.

2Tabungan Sadaya New Klasik
CategorySavings (Tiered)
Description

Classic retail savings account in the Tabungan Sadaya series, available with a tiered balance-based pricing structure.

3Tabungan Sadaya Praktis
CategorySavings (Transactional)
Description

Praktis version of the Tabungan Sadaya savings account, designed for everyday transactional use with lower monthly transaction thresholds.

4TabunganKu
CategorySavings (Mass-market)
Description

Retail savings account aimed at mass-market individual customers, supporting basic everyday banking needs.

5Tampan 1
CategoryStructured Savings
Description

Structured savings product in the Tampan series with a fixed coupon (1% per annum) and a 12-month tenor, targeted at retail customers seeking a fixed periodic payout.

6Tampan 3 (Hadiah)
CategoryStructured Savings
Description

Three-month structured savings product in the Tampan series offering a drawn prize (hadiah) of a Honda motorcycle (or cash equivalent), with fixed base pricing.

7Tampan 3 (Tabungan)
CategoryStructured Savings
Description

Three-month structured savings product in the Tampan series delivering quarterly coupon payments, with non-provided prize withdrawal and ARO options.

8Tampan 4
CategoryStructured Savings
Description

Four-month structured savings product in the Tampan series with a fixed coupon rate, designed for retail customers seeking a mid-term savings placement.

9Tampan 5
CategoryStructured Savings
Description

Five-month structured savings product in the Tampan series with a fixed coupon rate, extending the structured savings offering to a longer tenor.

10Deposito Reguler
CategoryTime Deposit
Description

Standard time deposit product offered across 1-, 3-, 6-, 12- and 24-month tenors, with tiered pricing based on principal and ARO options, eligible for the LPS deposit guarantee.

11Deposito SmartSave
CategoryTime Deposit (Digital)
Description

Digital channel for placing time deposits online through KSku mobile banking, complementing the standard Deposito Reguler offering.

12Deposito Emas
CategoryTime Deposit (Gold-backed)
Description

Gold-backed time deposit product where the principal is denominated in gold grams, with a 12-month maturity, targeted at customers seeking gold price exposure from a bank product.

13Deposito Bundling Asuransi
CategoryTime Deposit (Bundled)
Description

Time deposit product bundled with an insurance policy covering the customer's savings, providing protection coverage in addition to the regular deposit return.

14SmartLoan KAB (SmartLoan Mobil)
CategoryConsumer Loan (Vehicle)
Description

Digital installment loan product for car financing, with online application and disbursement via the SmartLoan platform.

15SmartLoan KABM (SmartLoan Motor)
CategoryConsumer Loan (Vehicle)
Description

Digital installment loan product for motorcycle financing, with online application and disbursement via the SmartLoan platform.

16Kredit Angsuran Berjangka Asuransi
CategoryConsumer Loan (Insured)
Description

Fixed-term installment loan product bundled with insurance coverage, providing additional protection for the borrower over the loan tenor.

17Kredit Berjangka Emas
CategoryConsumer Loan (Gold-backed)
Description

Fixed-term gold-backed credit product for retail customers, with collateral denominated in gold grams.

18Cicil Emas
CategoryConsumer Loan (Gold-backed)
Description

Gold installment financing product that allows retail customers to purchase gold by installments, with gold as collateral.

19Bundling Kredit Emas
CategoryConsumer Loan (Gold-backed)
Description

Bundled gold financing product combining a credit facility with gold collateral, targeted at retail customers seeking integrated gold-backed lending.

20KPSM (Kredit Pemilikan Sepeda Motor)
CategoryConsumer Loan (Vehicle)
Description

Dedicated motorcycle ownership loan product for retail customers purchasing a motorcycle, with a 12-36 month tenor range.

21Kredit Ekspres
CategoryConsumer Loan (Multipurpose)
Description

Discretionary multipurpose loan product for retail customers, with flexible use cases and a 12-24 month tenor range.

22KBM Ekspres
CategoryBusiness Loan (Working Capital)
Description

Working capital loan product under the Ekspres series, targeted at small businesses requiring quick access to operational funding.

23KAB Mobil
CategoryConsumer Loan (Vehicle)
Description

Fixed-installment car loan product for retail customers, complementing the SmartLoan Mobil digital offering for those who apply through branches.

24KB Ekspres
CategoryBusiness Loan (Working Capital)
Description

Discretionary working capital loan product providing short-term funding access for small businesses.

25Kredit Modal Kerja
CategoryBusiness Loan (UMKM)
Description

Dedicated working capital loan product for UMKM (micro, small and medium enterprise) borrowers, supporting day-to-day operational funding needs.

26Kredit Investasi
CategoryBusiness Loan (UMKM)
Description

Dedicated investment loan product for UMKM borrowers, supporting capital expenditure and longer-term business expansion.

27Linkage
CategoryBusiness Loan (UMKM)
Description

Partnership-based UMKM financing channel that extends the bank's credit reach through partner institutions, broadening UMKM access to credit.

28KSku Mobile Banking
CategoryDigital Banking Channel
Description

Flagship mobile banking application of PT. BPR KS, used to open accounts (SmartGrow), place digital time deposits (SmartSave), apply for loans (SmartLoan), and conduct everyday banking transactions.

29Bank KS Online (Internet Banking)
CategoryDigital Banking Channel
Description

Web-based Internet Banking service from the bank, supporting account management and online transactions for retail and UMKM customers.

30AKSES+ EDC Android
CategoryMerchant Payment Services
Description

EDC Android payment terminal solution offered under the AKSES+ merchant ecosystem, enabling UMKM merchants to accept electronic card and QRIS payments.

31AKSES+ MBB Joint
CategoryMerchant Payment Services
Description

Mobile banking-based joint merchant solution under the AKSES+ merchant ecosystem, providing merchants with a shared account and payment acceptance capability.

32AKSES+ IB Joint
CategoryMerchant Payment Services
Description

Internet Banking-based joint merchant solution under the AKSES+ merchant ecosystem, providing merchants with a shared account and payment acceptance capability through the web channel.

Scale indicator7 records

Each record includes

Type, Value, Description, Source

Partnership4 partners
1ANTAM (PT Aneka Tambang)
Strategic tierCoreTypeStrategic or Co-development Partner
Description

ANTAM (PT Aneka Tambang) is the primary gold supplier for BPR KS's gold-based financial products. BPR KS uses ANTAM gold bullion as the reference asset for Cicil Emas (gold installment financing), Deposito Emas (gold reward deposits), Tampan 2 and Tampan 5 (ANTAM gold gifts), and Kredit Berjangka Emas (gold-collateralized loans). Gold valuations reference ANTAM buyback prices for transparency. The partnership enables BPR KS to offer physical gold rewards and gold-backed financial products to retail customers.

2OJK (Otoritas Jasa Keuangan)
Strategic tierCoreTypeOthers
Description

OJK is the financial services regulatory authority in Indonesia. BPR KS operates under formal licensing and ongoing supervision from OJK, which grants the bank legal authority to conduct banking operations including deposit-taking and lending. Regulatory compliance with OJK regulations enables BPR KS to operate as a legitimate financial institution.

3LPS (Lembaga Penjamin Simpanan)
Strategic tierCoreTypeOthers
Description

LPS is the Indonesian Deposit Insurance Corporation providing government-backed deposit protection. BPR KS is an official LPS participant, with all customer deposits insured up to Rp 2 billion per depositor per bank. This partnership provides deposit safety assurance that is critical for building customer trust in a BPR institution.

4Bank Indonesia (GPN - Gerbang Pembayaran Nasional)
Strategic tierCoreTypeTechnology or Integration
Description

Bank Indonesia operates the National Payment Gateway (GPN) ecosystem. BPR KS is integrated with GPN, enabling its customers to use ATM and debit cards at all GPN-connected networks nationwide. BPR KS supports ATM Bersama, ALTO, BI Fast real-time transfer, and QRIS payment standards under the GPN framework, extending its service reach beyond its own branch network.

Recent move6 records

Each record includes

Date, Type, Title, Description, Source

Expansion highlight6 records

Each record includes

Type, Description

Peers10 records
1PT Pegadaian (Persero)
TypeBroad incumbent
Description

State-owned Indonesian pawnshop and microfinance institution offering gold-backed loans, savings, and credit to UMKM and retail customers. Overlaps significantly with BPR KS's Cicil Emas, Kredit Berjangka Emas, and Deposito Emas gold product suite, but operates as a much larger state-owned entity.

2PT Bank Oke Indonesia Tbk
TypeDirect peer
Description

Small Indonesian commercial bank with technology-enabled banking services for SMEs and consumers. Comparable mid-sized private bank competing in similar customer segments with focus on digital banking adoption.

3BPR Lestari (PT BPR Lestari Bali)
TypeDirect peer
Description

One of Indonesia's largest and most digitally advanced BPRs, operating across Bali and Java with mobile banking, savings, lending, and gold products. Most directly comparable BPR peer with overlapping digital-first product strategy and similar target customer segments.

4PT Bank Yudha Bhakti Tbk
TypeDirect peer
Description

Indonesian small private commercial bank with focus on consumer and SME lending in regional markets. Comparable as a privately held, small-cap Indonesian bank competing in similar deposit and loan product segments, though BPR KS operates under the BPR charter rather than as a commercial bank.

5Bank Jago (PT Bank Jago Tbk)
TypeEmerging player
Description

Indonesian digital-first bank backed by GoTo/Gojek ecosystem, offering mobile-first savings, payments, and lending. Not a direct BPR competitor but represents the emerging digital banking threat to BPR KS's retail customer base with a more comprehensive product suite.

6PT Bank Mayora Indonesia Tbk
TypeDirect peer
Description

Small Indonesian commercial bank offering consumer and SME lending, savings, and deposits. Comparable mid-sized private bank with similar focus on retail and small business customers in regional Indonesian markets.

7PT Bank Capital Indonesia Tbk
TypeDirect peer
Description

Small Indonesian publicly listed commercial bank focused on consumer lending, SME financing, and trade finance. Similar scale and product mix including time deposits, savings, and vehicle-backed lending comparable to BPR KS's SmartLoan suite.

8PT BPR Dana Moneter (Damon)
TypeDirect peer
Description

Indonesian BPR with strong digital presence operating multiple branches and offering mobile banking, savings, deposits, and lending products. Closely comparable BPR peer with similar digital transformation strategy and UMKM retail focus.

9PT Bank Ganesha Tbk
TypeDirect peer
Description

Small Indonesian commercial bank providing consumer loans, SME financing, and deposit products. Comparable scale and product offerings targeting similar retail and small business segments in regional Indonesia.

10PT Bank Ina Perdana Tbk
TypeDirect peer
Description

Indonesian small commercial bank offering savings, time deposits, and consumer/SME loans. Comparable regional private banking model competing for similar retail and UMKM customer segments, though operating as a commercial bank rather than a BPR.

Market position
Strengths5 records

Each record includes

Headline, Details, Source

Weaknesses5 records

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Competitive moat5 records

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Key risks6 records

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Key highlights7 records

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Customer concentration

Classification, Details

Segment4 records

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Ideal customer profile3 records

Each record includes

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Technology focused
No
API detail
Has APIbool
No

Docs URL, Description

Integration17 records

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AI maturity
App detail

Has app

Feature10 records

Each record includes

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Core technology
Revenue estimate
Valuation estimate
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No data
Compliance4 records

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Funding overview

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Each record includes

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Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

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M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

PT. BPR KS

Rural/Community Bankingbprks.co.id

PT. BPR KS is an Indonesian rural bank founded in 1990 in Bandung, operating 35 branches across West Java, Jabotabek, and Karawang, serving UMKM and retail individuals with savings, deposits, vehicle and gold-backed loans, and digital banking via the KSku app.

What PT. BPR KS does

PT. BPR KS (PT Bank Perekonomian Rakyat Karyajatnika Sadaya) is an Indonesian rural bank (Bank Perekonomian Rakyat) established on September 14, 1990, headquartered at Jl. Abdurachman Saleh No. 2, Bandung. It operates 35 offices (1 head office plus 34 branch offices) concentrated across West Java, the greater Jakarta (Jabotabek) area, and Karawang, serving micro, small, and medium enterprises (UMKM) and retail individuals under OJK and Bank Indonesia supervision and with Lembaga Penjamin Simpanan (LPS) deposit insurance up to Rp 2 billion per depositor. The bank has ISO 9001:2000 (2003) and ISO 27001:2012 certifications.

The bank's core products span savings (SmartGrow digital savings at 5% p.a. daily-interest, Tabungan Sadaya tiered, Tampan structured savings with cashback or ANTAM gold gifts), time deposits (Deposito Reguler, SmartSave up to 6.25% p.a., Deposito Emas paying in physical gold), and lending (SmartLoan KAB/KABM digital vehicle loans starting 0.83%/month flat, Cicil Emas at 12% effective p.a., Kredit Berjangka Emas gold-collateralized, plus Kredit Modal Kerja, Kredit Investasi, and KB Ekspres for UMKM). Supporting technology includes an NSICCS-migrated core with chip-based ATM/debit cards, the KSku mobile banking app enabling 100% digital onboarding via e-KYC, GPN/BI Fast/QRIS integration, a CRM-integrated system since 2018, and the AKSES+ merchant acquiring platform (EDC Android, MBB Joint, IB Joint) with bill payment, Pulsa, e-wallet, and ticket services.

Revenue is generated primarily through net interest margin on lending minus deposit costs (with deposit rates tiered up to 6.75% p.a. and lending rates from 0.83%/month flat), supplemented by transaction fees on the AKSES+ merchant network (bill payments, Pulsa, e-wallet top-ups, QRIS), fees on gold products (administration, insurance bundling, facilitation), and digital banking transaction fees. Distribution runs through a hybrid model combining relationship-led branch sales, the KSku self-serve mobile channel with referral programs (Rp 10,000 cashback for new accounts; Insentif Referal Emas), and loyalty programs (KS Poin, Hujan Rejeki 2026, SPEKTA). The legal name change to PT Bank Perekonomian Rakyat Karyajatnika Sadaya took effect December 15, 2023, under UU No. 4 Tahun 2023 (UU PPSK).

PT. BPR KS firmographics

Firmographics
Name
PT. BPR KS
Legal name
PT Bank Perekonomian Rakyat Karyajatnika Sadaya
Website
https://bprks.co.id
Company type
Private
Founded year
1990
Operating status
Operating
Headcount range
1,001–5,000 employees
Short description
PT. BPR KS is an Indonesian rural bank founded in 1990 in Bandung, operating 35 branches across West Java, Jabotabek, and Karawang, serving UMKM and retail individuals with savings, deposits, vehicle and gold-backed loans, and digital banking via the KSku app.
Ownership category
akta.pro rank

PT. BPR KS industry classification

Industry
Product category
Rural/Community Banking
NAICS
Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (522180)
SIC
State Commercial Banks (6022), Short-Term Business Credit Institutions (6153)
akta.pro primary industry
Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)

Keywords

  • Retail banking services
  • UMKM lending
  • Rural banking Indonesia
  • Microfinance products
  • Merchant payment services

Where PT. BPR KS is headquartered

Location

Headquarters

HQ city
Bandung
HQ country
Indonesia
HQ region
Asia

Offices8 records

Markets served

PT. BPR KS business model

Business model
GTM type
B2B and B2C
Offering type
Services
Cost components
Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

  1. Interest Income from Lending: BPR KS extends credit to micro, small, and medium enterprises (UMKM) and retail customers through various loan products including working capital credits (Kredit Modal Kerja), investment credits (Kredit Investasi), consumption credits, vehicle financing (KAB/KABM), gold financing (Cicil Emas, Kredit Berjangka Emas), and SmartLoan digital loans. Interest income is the primary revenue driver. Interest rates vary by product: SmartLoan Mobil from 0.83%/month flat (promo rate), SmartLoan Motor at 1.67%/month flat, Cicil Emas at 12% effective p.a., Kredit Berjangka Emas at 0% interest with monthly administration fees, and Kredit Angsuran Berjangka Asuransi with structured installments up to 48 months.
  2. Interest Income from Deposits: BPR KS accepts customer deposits in the form of savings accounts (Tabungan), time deposits (Deposito), and structured savings products (Tampan series). The bank pays interest to depositors at rates below its lending rates, generating net interest margin as a core revenue component. Interest rates offered: SmartGrow savings at 5% p.a. (credited daily), standard savings tiered from 0.25% to 4.50% p.a., time deposits from 5.50% to 6.75% p.a., SmartSave 5.50%-6.25% p.a. (flat), and Tampan savings with cashback incentives.
  3. Merchant Service Fees (AKSES+): BPR KS operates the AKSES+ merchant acquiring ecosystem, providing EDC Android terminals, MBB Joint, and IB Joint services to UMKM merchants. Revenue is generated from transaction fees on bill payments (PLN, telepon, TV kabel, multifinance, PDAM, BPJS), Pulsa and data purchases, e-wallet top-ups (Gopay, Dana, OVO, LinkAja, ShopeePay), QRIS transactions, and ticket purchases. The AKSES+ platform charges merchant service fees on each transaction processed.
  4. Digital Banking Transaction Fees: Revenue from transaction fees on mobile and internet banking services, including ATM withdrawals at other banks' networks (ALTO/ATM Bersama), interbank transfers (BI Fast), and cash-out services at retail partners (Indomaret). BI Fast transfers are currently offered free for BPR KS customers via KSku as a promotional strategy to drive digital adoption.
  5. Gold Product Services: BPR KS generates fee income from gold-related products including Cicil Emas (gold installment financing), Deposito Emas (gold-backed deposits with ANTAM gold as reward), and Kredit Berjangka Emas (gold-collateralized short-term loans). Revenue includes administration fees, insurance bundling, and facilitation fees on gold transactions.
  6. Referral and Loyalty Program Fees: BPR KS operates loyalty programs (KS Poin, Hujan Rejeki, SPEKTA, referral programs) that drive customer engagement and product adoption. While rewards are funded by the bank, increased product utilization (deposits, loans, transactions) driven by these programs generates additional revenue through expanded deposit base and loan portfolio.

Pricing tiers

ModelBillingPrice
SubscriptionMonthlySmartGrow Digital Savings - 5% p.a. interest, zero admin fee
Unit PricingPay-as-you-goDeposito Reguler - Term deposits with rates 4.00%-6.75% p.a.
Unit PricingPay-as-you-goDeposito Online (SmartSave) - 100% digital, 5.50%-6.25% p.a. flat
Unit PricingMonthlySmartLoan KAB (BPKB Mobil) - Vehicle loan 0.83% flat/month promo
Unit PricingMonthlySmartLoan KABM (BPKB Motor) - Motorbike loan 1.67% flat/month promo
Unit PricingMonthlyCicil Emas - Gold installment financing 12% effective p.a.
Unit PricingMonthlyTabungan Sadaya New Klasik - Tiered interest savings 0.25%-4.50% p.a.
Unit PricingMonthlyTabungan Sadaya Praktis - Low-cost daily transaction savings 0.25%-1.00% p.a.
Unit PricingPay-as-you-goTampan 1 - Cashback savings 5.25% upfront
Unit PricingMonthlyTampan 3 (Tabungan) - Target savings with autodebet 5.25%-6.25% p.a.
Unit PricingMonthlyTampan 3 (Hadiah) - Gift-first savings program with 0% interest
Unit PricingPay-as-you-goTampan 4 - Tiered interest savings with cashback 2.75%-3.25% p.a.
Unit PricingPay-as-you-goTampan 5 - Tiered savings with ANTAM gold gift 0.5%-1.50% p.a.
Unit PricingPay-as-you-goKredit Berjangka Emas - Gold-collateralized loan 0% interest with admin fee
Unit PricingPay-as-you-goDeposito Emas - Gold reward deposit 5% p.a. in ANTAM gold
Unit PricingMonthlyKredit Angsuran Berjangka Asuransi - Vehicle loan with insurance 12-36 months

Go-to-market motion2 records

Distribution channels8 records

Marketing channels13 records

PT. BPR KS product offering

Product offering

Core offering

PT. BPR KS is a community/rural bank that collects funds through savings and time-deposit products and channels them into consumer and micro/SME loans, alongside deposit-insured, LPS-guaranteed accounts. The bank serves retail individuals and UMKM (micro, small and medium enterprise) customers across West Java, Jabotabek and Karawang through 35 offices, digital channels (KSku mobile banking, Internet Banking), and the AKSES+ merchant acquiring ecosystem. Its portfolio spans tiered savings, gold-backed and sharia-compliant deposits, vehicle/motorcycle financing, gold-backed consumer credit, working capital and investment loans, and merchant payment acceptance.

Product overview

PT. BPR KS (Bank Perekonomian Rakyat Karyajatnika Sadaya) operates as a regional rural bank offering a comprehensive suite of banking products and services. The company provides individual and business banking solutions through multiple channels including 35 branches across West Java and Jabotabek. Core offerings include savings accounts (SmartGrow digital savings, Tabungan Sadaya New Klasik, Tabungan Sadaya Praktis, TabunganKu), target savings products (Tampan 1/3/4/5 with various cashback and gift schemes), time deposits (Deposito Reguler, Deposito Online, Deposito SmartSave with daily interest payments, Deposito Emas with gold returns, Deposito Bundling Asuransi), credit products (SmartLoan KAB/KABM digital vehicle loans, Kredit Berjangka Emas, Cicil Emas installment, working capital and investment loans), and digital banking platforms (Mobile Banking KSku, Internet Banking). Business solutions are offered through AKSES+ EDC and merchant services. The bank integrates with various payment systems including BI Fast, QRIS, ATM Bersama/ALTO networks, and multiple bill payment and e-wallet services.

Differentiator

Problem solved

Functional benefit

Brands

  • SmartGrow: Digital savings account with 5% p.a. interest paid daily, zero admin fees, accessible via KSku mobile banking app.
  • SmartLoan
  • SmartSave
  • KSku
  • AKSES+
  • Tampan
  • KS Poin
  • KS Komunitas

Products and services

  • SmartGrow Digital Savings Digital savings account that can be opened entirely online through the KSku mobile banking application, targeted at retail customers seeking a convenient, paperless savings experience.
  • Tabungan Sadaya New Klasik Classic retail savings account in the Tabungan Sadaya series, available with a tiered balance-based pricing structure.
  • Tabungan Sadaya Praktis Praktis version of the Tabungan Sadaya savings account, designed for everyday transactional use with lower monthly transaction thresholds.
  • TabunganKu Retail savings account aimed at mass-market individual customers, supporting basic everyday banking needs.
  • Tampan 1 Structured savings product in the Tampan series with a fixed coupon (1% per annum) and a 12-month tenor, targeted at retail customers seeking a fixed periodic payout.
  • Tampan 3 (Hadiah) Three-month structured savings product in the Tampan series offering a drawn prize (hadiah) of a Honda motorcycle (or cash equivalent), with fixed base pricing.
  • Tampan 3 (Tabungan) Three-month structured savings product in the Tampan series delivering quarterly coupon payments, with non-provided prize withdrawal and ARO options.
  • Tampan 4 Four-month structured savings product in the Tampan series with a fixed coupon rate, designed for retail customers seeking a mid-term savings placement.
  • Tampan 5 Five-month structured savings product in the Tampan series with a fixed coupon rate, extending the structured savings offering to a longer tenor.
  • Deposito Reguler Standard time deposit product offered across 1-, 3-, 6-, 12- and 24-month tenors, with tiered pricing based on principal and ARO options, eligible for the LPS deposit guarantee.
  • Deposito SmartSave Digital channel for placing time deposits online through KSku mobile banking, complementing the standard Deposito Reguler offering.
  • Deposito Emas Gold-backed time deposit product where the principal is denominated in gold grams, with a 12-month maturity, targeted at customers seeking gold price exposure from a bank product.
  • Deposito Bundling Asuransi Time deposit product bundled with an insurance policy covering the customer's savings, providing protection coverage in addition to the regular deposit return.
  • SmartLoan KAB (SmartLoan Mobil) Digital installment loan product for car financing, with online application and disbursement via the SmartLoan platform.
  • SmartLoan KABM (SmartLoan Motor) Digital installment loan product for motorcycle financing, with online application and disbursement via the SmartLoan platform.
  • Kredit Angsuran Berjangka Asuransi Fixed-term installment loan product bundled with insurance coverage, providing additional protection for the borrower over the loan tenor.
  • Kredit Berjangka Emas Fixed-term gold-backed credit product for retail customers, with collateral denominated in gold grams.
  • Cicil Emas Gold installment financing product that allows retail customers to purchase gold by installments, with gold as collateral.
  • Bundling Kredit Emas Bundled gold financing product combining a credit facility with gold collateral, targeted at retail customers seeking integrated gold-backed lending.
  • KPSM (Kredit Pemilikan Sepeda Motor) Dedicated motorcycle ownership loan product for retail customers purchasing a motorcycle, with a 12-36 month tenor range.
  • Kredit Ekspres Discretionary multipurpose loan product for retail customers, with flexible use cases and a 12-24 month tenor range.
  • KBM Ekspres Working capital loan product under the Ekspres series, targeted at small businesses requiring quick access to operational funding.
  • KAB Mobil Fixed-installment car loan product for retail customers, complementing the SmartLoan Mobil digital offering for those who apply through branches.
  • KB Ekspres Discretionary working capital loan product providing short-term funding access for small businesses.
  • Kredit Modal Kerja Dedicated working capital loan product for UMKM (micro, small and medium enterprise) borrowers, supporting day-to-day operational funding needs.
  • Kredit Investasi Dedicated investment loan product for UMKM borrowers, supporting capital expenditure and longer-term business expansion.
  • Linkage Partnership-based UMKM financing channel that extends the bank's credit reach through partner institutions, broadening UMKM access to credit.
  • KSku Mobile Banking Flagship mobile banking application of PT. BPR KS, used to open accounts (SmartGrow), place digital time deposits (SmartSave), apply for loans (SmartLoan), and conduct everyday banking transactions.
  • Bank KS Online (Internet Banking) Web-based Internet Banking service from the bank, supporting account management and online transactions for retail and UMKM customers.
  • AKSES+ EDC Android EDC Android payment terminal solution offered under the AKSES+ merchant ecosystem, enabling UMKM merchants to accept electronic card and QRIS payments.
  • AKSES+ MBB Joint Mobile banking-based joint merchant solution under the AKSES+ merchant ecosystem, providing merchants with a shared account and payment acceptance capability.
  • AKSES+ IB Joint Internet Banking-based joint merchant solution under the AKSES+ merchant ecosystem, providing merchants with a shared account and payment acceptance capability through the web channel.

Quantifiable outcome

  • 5% p.a. interest rate credited daily on SmartGrow digital savings with zero admin fee
  • +5 more outcomes

Companies that use PT. BPR KS

Customer profile

Segments4 records

Ideal customer profiles3 records

PT. BPR KS technology and API

Technology

Technology focussed No

API detail

Has API
No
API docs
API detail

Core technology

AI maturity

App detail

Integration17 records

Feature10 records

PT. BPR KS partnerships and signals

Strategic signal

Partnerships

Four partnerships are on record, tiered core.

  • ANTAM (PT Aneka Tambang)coreStrategic or Co-development PartnerANTAM (PT Aneka Tambang) is the primary gold supplier for BPR KS's gold-based financial products. BPR KS uses ANTAM gold bullion as the reference asset for Cicil Emas (gold installment financing), Deposito Emas (gold reward deposits), Tampan 2 and Tampan 5 (ANTAM gold gifts), and Kredit Berjangka Emas (gold-collateralized loans). Gold valuations reference ANTAM buyback prices for transparency. The partnership enables BPR KS to offer physical gold rewards and gold-backed financial products to retail customers.
  • OJK (Otoritas Jasa Keuangan)coreOthersOJK is the financial services regulatory authority in Indonesia. BPR KS operates under formal licensing and ongoing supervision from OJK, which grants the bank legal authority to conduct banking operations including deposit-taking and lending. Regulatory compliance with OJK regulations enables BPR KS to operate as a legitimate financial institution.
  • LPS (Lembaga Penjamin Simpanan)coreOthersLPS is the Indonesian Deposit Insurance Corporation providing government-backed deposit protection. BPR KS is an official LPS participant, with all customer deposits insured up to Rp 2 billion per depositor per bank. This partnership provides deposit safety assurance that is critical for building customer trust in a BPR institution.
  • Bank Indonesia (GPN - Gerbang Pembayaran Nasional)coreTechnology or IntegrationBank Indonesia operates the National Payment Gateway (GPN) ecosystem. BPR KS is integrated with GPN, enabling its customers to use ATM and debit cards at all GPN-connected networks nationwide. BPR KS supports ATM Bersama, ALTO, BI Fast real-time transfer, and QRIS payment standards under the GPN framework, extending its service reach beyond its own branch network.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

PT. BPR KS competitors and assessment

Company assessment

Broad incumbents

  • PT Pegadaian (Persero): State-owned Indonesian pawnshop and microfinance institution offering gold-backed loans, savings, and credit to UMKM and retail customers. Overlaps significantly with BPR KS's Cicil Emas, Kredit Berjangka Emas, and Deposito Emas gold product suite, but operates as a much larger state-owned entity.

Direct peers

  • PT Bank Oke Indonesia Tbk: Small Indonesian commercial bank with technology-enabled banking services for SMEs and consumers. Comparable mid-sized private bank competing in similar customer segments with focus on digital banking adoption.
  • BPR Lestari (PT BPR Lestari Bali): One of Indonesia's largest and most digitally advanced BPRs, operating across Bali and Java with mobile banking, savings, lending, and gold products. Most directly comparable BPR peer with overlapping digital-first product strategy and similar target customer segments.
  • PT Bank Yudha Bhakti Tbk: Indonesian small private commercial bank with focus on consumer and SME lending in regional markets. Comparable as a privately held, small-cap Indonesian bank competing in similar deposit and loan product segments, though BPR KS operates under the BPR charter rather than as a commercial bank.
  • PT Bank Mayora Indonesia Tbk: Small Indonesian commercial bank offering consumer and SME lending, savings, and deposits. Comparable mid-sized private bank with similar focus on retail and small business customers in regional Indonesian markets.
  • PT Bank Capital Indonesia Tbk: Small Indonesian publicly listed commercial bank focused on consumer lending, SME financing, and trade finance. Similar scale and product mix including time deposits, savings, and vehicle-backed lending comparable to BPR KS's SmartLoan suite.
  • PT BPR Dana Moneter (Damon): Indonesian BPR with strong digital presence operating multiple branches and offering mobile banking, savings, deposits, and lending products. Closely comparable BPR peer with similar digital transformation strategy and UMKM retail focus.
  • PT Bank Ganesha Tbk: Small Indonesian commercial bank providing consumer loans, SME financing, and deposit products. Comparable scale and product offerings targeting similar retail and small business segments in regional Indonesia.
  • PT Bank Ina Perdana Tbk: Indonesian small commercial bank offering savings, time deposits, and consumer/SME loans. Comparable regional private banking model competing for similar retail and UMKM customer segments, though operating as a commercial bank rather than a BPR.

Emerging players

  • Bank Jago (PT Bank Jago Tbk): Indonesian digital-first bank backed by GoTo/Gojek ecosystem, offering mobile-first savings, payments, and lending. Not a direct BPR competitor but represents the emerging digital banking threat to BPR KS's retail customer base with a more comprehensive product suite.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

PT. BPR KS social profiles

Digital presence

PT. BPR KS compliance and trust

Trust signal

Compliance4 records

PT. BPR KS financial estimates

Financial estimate

Revenue estimate

Valuation estimate

PT. BPR KS leadership team

Management profile

Number of profiles

PT. BPR KS funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

PT. BPR KS M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about PT. BPR KS

What does PT. BPR KS do?

PT. BPR KS is a community/rural bank that collects funds through savings and time-deposit products and channels them into consumer and micro/SME loans, alongside deposit-insured, LPS-guaranteed accounts. The bank serves retail individuals and UMKM (micro, small and medium enterprise) customers across West Java, Jabotabek and Karawang through 35 offices, digital channels (KSku mobile banking, Internet Banking), and the AKSES+ merchant acquiring ecosystem. Its portfolio spans tiered savings, gold-backed and sharia-compliant deposits, vehicle/motorcycle financing, gold-backed consumer credit, working capital and investment loans, and merchant payment acceptance.

Is PT. BPR KS a public or private company?

PT. BPR KS is a private company. It is classified as unknown and is currently operating.

When was PT. BPR KS founded?

PT. BPR KS was founded in 1990. It employs 1,001 to 5,000 people.

Where is PT. BPR KS based?

PT. BPR KS is headquartered in Bandung, Indonesia, in the Asia region.

How does PT. BPR KS make money?

Six revenue lines are on record. Interest Income from Lending is the primary driver. The others are interest Income from Deposits, merchant Service Fees (AKSES+), digital Banking Transaction Fees, gold Product Services and referral and Loyalty Program Fees.

Who are PT. BPR KS's main competitors?

PT Pegadaian (Persero) is listed as a broad incumbent. Direct peers are PT Bank Oke Indonesia Tbk, BPR Lestari (PT BPR Lestari Bali), PT Bank Yudha Bhakti Tbk, PT Bank Mayora Indonesia Tbk, PT Bank Capital Indonesia Tbk, PT BPR Dana Moneter (Damon), PT Bank Ganesha Tbk and PT Bank Ina Perdana Tbk. Bank Jago (PT Bank Jago Tbk) is listed as an emerging player.

Does PT. BPR KS have an API?

No public API is recorded for PT. BPR KS.

What industry is PT. BPR KS in?

PT. BPR KS's product category is Rural/Community Banking. Its primary akta.pro industry code is FSAKAGAD, Merchant Cash Advance (MCA) & Revenue-Based Financing. Its NAICS code is 5221 and its SIC code is 6022.

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