Universal BPR is a community bank ('bank perkreditan rakyat') founded in 2003 by Kaman Siboro and Stephen Satyahadi - two individuals with more than 30 years of experience in banking sector. The bank is engaged in the provision of loan, saving and deposit products to individuals and SMEs. For lending segment, Universal BPR currently focuses on property-backed financing with ticket size ranging from 100 million to 30 billion rupiah per customer. Universal BPR group operates 10 branches located in 8 cities of Indonesia. Universal BPR is registered and regulated by OJK (financial services authority) and is a member of LPS (deposit insurance) MISSION STATEMENT To become a bank that focuses on improving the quality of life of the community with integrity, respect and continuous improvement. MOTTO Fast, Safe, Caring