Bank UMKM Jawa Timur

What Bank UMKM Jawa Timur does

Bank UMKM Jawa Timur is an Indonesian BPR (Bank Perkreditan Rakyat, or People's Credit Bank) headquartered in Surabaya, East Java, that has been operating since 1984. As the name indicates, the institution is focused on serving the UMKM segment — Usaha Mikro, Kecil, dan Menengah, Indonesia's micro, small, and medium enterprises — a borrower base that is typically underserved by larger commercial banks and relies on BPRs for working-capital credit and basic deposit services. The firm operates as a locally licensed community bank under the Indonesian Financial Services Authority (OJK) BPR framework, which restricts its geographic operating radius and product scope but also insulates it from direct competition with national commercial banks.

The firm employed approximately 92 people according to the most recent data available, indicating a small, branch-based operating model rather than a digital-first platform. The corporate website (bprjatim.co.id) was behind a CAPTCHA/verification wall at the time of data collection and yielded no accessible product, pricing, or technology detail; consequently the underlying technology stack, digital channels, mobile banking app availability, and loan-origination workflows cannot be characterized from the input. Standard BPR operations in this segment typically combine relationship-based lending with face-to-face underwriting and basic core-banking infrastructure, but the absence of disclosed information on this specific institution prevents verification.

The business model is consistent with the BPR archetype: net interest income earned on spread between deposits and micro/SME loans, with fee income from ancillary services. No product pricing, customer segmentation detail, financial disclosures, or strategic announcements were available in the source data, so revenue mechanics, loan-book composition, and deposit-mix cannot be quantified. Analysts should treat the firmographic snapshot as static and verify current financials directly with OJK-published BPR statistics before underwriting any investment decision.

Name

Bank UMKM Jawa Timur

Website

https://bprjatim.co.id

Company type

Private

Headcount range

51–100 employees

Short description

Bank UMKM Jawa Timur is a Surabaya-based Indonesian People's Credit Bank (BPR), founded in 1984, that lends to and takes deposits from micro, small, and medium enterprises (UMKM) in the East Java region.

Ownership category

akta.pro rank

Product category

Community Banking (BPR / UMKM Lending)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Islamic SME & Commercial Banking (FSABAGAB)

Keywords

• Micro enterprise lending
• Rural credit banking
• Small business loans
• Regional banking services
• Community deposit products

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Core offering

Bank UMKM Jawa Timur is a regional Indonesian people's credit bank (BPR) that accepts deposits and provides credit/loan facilities, with a brand focus on serving micro, small, and medium enterprises (UMKM) and individual customers in East Java (Jawa Timur). It operates from Surabaya with a small employee base (~92 staff), consistent with the scale of a community-level BPR rather than a national commercial bank.

Differentiator

Problem solved

Functional benefit

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Broad incumbents

• Bank Rakyat Indonesia (BRI): Indonesia's largest state-owned bank and the dominant UMKM-focused lender in the country, operating a massive micro-banking unit serving millions of small borrowers. BRI competes with Bank UMKM Jawa Timur for the same MSME customer base, but at vastly greater scale and with a national digital platform (BRILink, Britama).
• Bank Mandiri: One of Indonesia's largest state-owned commercial banks with a significant SME and micro-banking portfolio across all provinces including East Java. While not UMKM-pure, it competes directly for the same SME borrowers through its Micro Business Unit and digital channels.
• Bank Central Asia (BCA): Indonesia's largest private commercial bank by market cap, with growing SME and digital banking segments (BCA Mobile, KlikBCA). BCA competes with smaller BPRs for SME deposits and transactional banking in the East Java market and represents a digital scale threat.
• Bank Negara Indonesia (BNI): One of Indonesia's largest state-owned commercial banks with a dedicated SME segment (BNI UMKM) and a national agent-banking network (BNI Agen46). BNI directly competes for small-business borrowers in East Java and represents the type of incumbent digital threat facing small BPRs.

Emerging players

• Bank Jago: An Indonesian digital-first bank (with GoTo as a major shareholder) that has expanded into SME and partnership-based lending via its app-based platform. Bank Jago represents the fintech-style emerging competition that BPRs must respond to in the UMKM segment.
• Bank SBI Indonesia: A smaller Indonesian commercial bank with a stated focus on small and medium enterprise financing and Sharia-compliant products. Comparable to Bank UMKM Jawa Timur as a niche mid-tier competitor operating in adjacent segments of the Indonesian SME market.

Direct peers

• Bank Andara: An Indonesian commercial bank focused on micro, small, and medium enterprises, providing savings products, working-capital loans, and financial inclusion services. Bank Andara is a closely comparable UMKM-focused peer at a similar sub-scale size.
• Bank BTPN: A publicly listed Indonesian bank focused on serving the underserved mass-market and micro-entrepreneur segment, including through its "BTPN Wow!" and "BTPN Mitra Usaha Rakyat" units. BTPN is a direct competitor in MSME lending and offers a useful scale benchmark for a small UMKM-focused bank.

Market position

Strengths3 records

Weaknesses3 records

Competitive moat2 records

Key risks4 records

Key highlights3 records

Customer concentration

• LinkedInlinkedin.com/company/bank-umkm-jawa-timur

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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M&A

Investments

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Frequently asked questions about Bank UMKM Jawa Timur