BRI Offers MSME Loans Up to IDR 200 Million with 6% Interest, Installments Spanning 5 Years
Jakarta, November 15, 2025 – Micro, Small, and Medium enterprises (MSMEs) in indonesia can now access business capital loans ranging from IDR 1 million to IDR 200 million through the BRI KUR (Kredit Usaha Rakyat) program, featuring a competitive 6% annual interest rate. The program, aligned with government regulations, offers flexible tenors from one to five years and a streamlined request process, making funding more accessible for entrepreneurs.
This initiative comes as a vital boost to Indonesia‘s MSME sector, which forms the backbone of the national economy. By providing affordable financing options,BRI aims to empower business actors – from startups to established small businesses – to expand operations,increase productivity,and contribute to economic growth. The availability of loans up to IDR 200 million, coupled with extended repayment periods, allows businesses to strategically invest in their future.
BRI currently offers three KUR types: KUR Super Micro for new businesses with smaller capital needs, SETUP Micro with a ceiling of IDR 100 million, and small KUR, providing access to funding between IDR 100 million and IDR 500 million.
Below is a simulation of monthly installments for various loan amounts and tenors, as of November 2025:
BRI KUR Table November 2025 Loans IDR 1 Million-IDR 200 Million
Ceiling IDR 1 million
* 12 months: IDR 88,333
* 18 months: IDR 60,556
* 24 months: IDR 46,667
* 36 months: IDR 32,778
* 48 months: IDR 25,833
* 60 months: IDR 21,667
Ceiling IDR 5 Million
* 12 months: IDR 441,667
* 18 months: IDR 302,778
* 24 months: IDR 233,333
* 36 months: IDR 163,889
* 48 months: IDR 129,167
* 60 months: IDR 108,333
Ceiling IDR 10 Million
* 12 months: IDR 883,333
* 18 months: IDR 605,556
* 24 months: IDR 466,667
* 36 months: IDR 327,778
* 48 months: IDR 258,333
* 60 months: IDR 216,667
Ceiling IDR 20 Million
* 12 months: IDR 1,766,667
* 18 months: IDR 1,211,111
* 24 months: IDR 933,333
* 36 months: IDR 655,556
* 48 months: IDR 516,667
* 60 months: IDR 433,333
Ceiling IDR 30 Million
* (Installment amounts not provided in source text)
Potential applicants are encouraged to review the installment table to determine a loan amount and tenor that aligns with their repayment capacity before submitting an application to BRI.