Bank UMKM Jatim, officially PT. BPR Jatim (Perseroda), is a regional people’s credit bank serving customers in East Java, Indonesia. The bank offers savings products, including Sikemas, Sikemas Berhadiah Langsung, Simpel, Beress, and Tambun, alongside fixed-term and on-call deposits.

Its lending range includes Kusuma, Mulus, Prokesra, the Paket Petani Jawa Timur program, Kridamas, multipurpose credit, vehicle financing, Umroh financing, water and sanitation loans, revolving funds, and bridge financing. Customers can also access gold ownership financing for bars and jewelry, as well as syndicated financing and linkage services for microfinance institutions. Beyond banking, Bank UMKM Jatim supports small businesses by helping its assisted enterprises develop and expand market access, including through trade missions and business events.

The website provides customer complaint channels, branch information, financial and corporate reports, security guidance, and online credit and deposit calculators. PT. BPR Jatim states that it is licensed and supervised by Indonesia’s Financial Services Authority (OJK) and participates in the Deposit Insurance Corporation (LPS) guarantee program