BRI Offers Up to IDR 350 Million in 2025 KUR Loans, Details on Requirements and Installments
Jakarta, Indonesia - Bank Rakyat Indonesia (BRI) is making up to IDR 350 million available through its 2025 Kredit usaha Rakyat (KUR) program, offering crucial capital for Indonesian entrepreneurs and businesses.The loans, categorized under Small KUR, are designed to facilitate business growth and the purchase of productive assets. This initiative comes as the Indonesian government continues to prioritize support for micro, small, and medium-sized enterprises (MSMEs).
BRI provides several KUR options tailored to different business needs, including Super Micro KUR (up to IDR 10 million for new businesses), Micro KUR (up to IDR 50 million with a tenor of up to 5 years), Small KUR (IDR 50 million to IDR 500 million for developing businesses), and Kur TKI for prospective Indonesian migrant workers needing overseas capital. The IDR 350 million loan falls under the Small KUR category.
To qualify for a KUR BRI loan in 2025, applicants must meet the following criteria:
- Be an Indonesian citizen (WNI) with domicile in Indonesia.
- Be at least 17 years old or married.
- Operate a productive business for a minimum of 6 months.
- Possess business legality, such as a Business Identification Number (NIB) or Business Certificate (SKU) from the sub-district.
- Provide a Taxpayer Identification Number (NPWP) for loans exceeding IDR 50 million.
- Not currently have active productive credit from other banks (consumer credit like mortgages,vehicle loans,or credit cards are permitted).
- Submit identity documents including KTP (national ID card), Family Card, and Marriage Certificate (if married).
Based on an effective interest rate of 6% per year, estimated 2025 BRI KUR loan installments for IDR 350 million are as follows:
* 12 months: IDR 30,125,000 per month
* 24 months: IDR 15,510,000 per month