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Meet Various Needs
Meet Various Needs

Not only for working capital but also for investment and others

Competitive Interest Rates
Competitive Interest Rates

Lower fixed interest rates for a certain period

Flexible and Easy
Flexible and Easy

Longer term resulted in more affordable installment

Kredit Usaha Rakyat (KUR)


Easy solution for working capital and investment needs for Small and Medium entrepreneurs with insufficient collateral.

Advantages of Kredit Usaha Rakyat (KUR)

  • Interest rates start from 6%-9% eff p.a.
  • Free Provision & Administration fee

Types of Facility


Working Capital Loan or Investment Loan with monthly installment payments

Term


Type Working Capital Loan Investment Loan
KUR Micro 3 years 5 years
KUR Small 4 years 5 years

Collateral


  • Vacant land/paddy land/land and building
  • Shops
  • Apartment
  • Motor vehicles
  • Inventory*)
  • machinery*)

*) as additional collateral

Terms and Conditions


  • Indonesian citizens who already have e-KTP
  • An individual or business entity
  • Minimum age of 21 years old or married for individual customers
  • Business running for at least 6 months
  • Not having an ongoing KUR at another bank
  • Never received Productive Credit

Document Requirements


Individual Customer

  • e-KTP of the prospective borrower and spouse
  • NPWP (for applications above IDR50 million)
  • Family Card
  • Business Certificate/NIB
  • BPJS Employment (for Small KUR applications only)

Business Entity Customer


  • Deed of Establishment and all amendments
  • Ratification of the Deed of the Ministry of Law and Human Rights
  • NPWP of Business Entities
  • KTP of Management and Shareholders Pengurus dan Pemegang Saham
  • NPWP of Management and Shareholders
  • Business Certificate/NIB/TDP
  • BPJS Employment (for Small KUR applications only)

Fees

Fee Type Micro Small
Provision Fee None
Administration Fee
Late Fee Subject to applicable regulations

Other Fees

(Such as notary fee, appraisal, insurance, etc)

None Subject to applicable regulations

Limit

Loan Loan Limit
Micro KUR > IDR10,000,000 - IDR100,000,000
Small KUR > IDR100,000,000 - IDR500,000,000
Special KUR Up to IDR500,000,000

Interest Rates


Interest rates start from 6%-9% eff p.a.

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