BRI Offers Non-KUR Loans Up to โคIDR 500โค Million with Installments Starting at IDR 8,000
Jakarta, Indonesia – Bank Rakyat Indonesia (BRI) is now offering non-KURโ (Micro Credit) loans ranging โฃfrom IDRโ 1 million to IDR 500 million, designed โto support the growth of Micro, Small, and Medium Enterprises (MSMEs) acrossโ Indonesia.โข With installment options starting as low asโฃ IDR 8,000 per day,โ the loans aim to provide accessible financing for both startupโ and established businesses.
These non-KURโ loansโ presentโ a significant chance for MSMEsโค seeking capital for various needs, including workingโ capital and expansion. Loan amounts between IDR 1 million and IDR 50 million feature โคinstallment plans adjusted to loan size and tenor,with longerโ terms โresulting in โlower โฃmonthly payments. Larger loans,ranging from IDR 50 million โขto IDR 500 million,are gearedโข towards substantial business โinvestments and are typically secured with collateral.
To qualify for a BRI non-KUR loan, โapplicants must be Indonesian citizens at least 21 โคyears old (or married), possess โฃa business that has been operational for โขat least six months โข(for โฃproductive loans), and maintainโข a clean credit history. Required documentation includes a national ID card (KTP) for the applicant and spouse (if applicable),a Family โCard (KK),business documentation such โas a SKU,NIB,or equivalent,a Taxpayer Identification Number (NPWP) for โcertain loan amounts,an active BRI account,and collateral – such asโ aโ vehicle registration certificate (BPKB)โ orโ land certificate – depending on the โฃloan value.
BRI has releasedโฃ a loan installment simulation table to help potential borrowers estimate their monthly obligations. โฃExamples includeโ a IDR 1 million loan with โขdailyโข installments starting โฃat IDR 3,775โ for a โฃ12-month tenor, and a IDR 20 million loan โฃwithโ daily installmentsโข beginning at IDR 39,200โฃ for the โฃsame period.
Loan Installmentโข Simulation (2025):
| Loan Amount (IDR) | 12 Months /Day | 18 Months /Day | 24 Monthsโ /Day | 36 monthsโ /Day |
|---|---|---|---|---|
| 1,000,000 | 3,775 | 2,300 | 1,689 | 1,067 |
| 5,000,000 | 18,967 | 11,533 | 8,433 | 5,467 |
| 10,000,000 | 37,867 | 23,100 | 16,733 | 10,967 |
| 15,000,000 | 29,433 | 22,133 | 15,200 | 12,500 |
| 20,000,000 | 39,200 | 29,533 | 20,267 | 16,500 |