BRI Launches 2025 People’s Business Credit Program with loans Up to Rp75 Million
Bank Rakyat Indonesia (BRI) is offering the People’s Business Credit (KUR) program in 2025, designed to provide accessible financing for micro, small, and medium enterprises (MSMEs) with competitive interest rates. The program aims to stimulate MSME growth through affordable and streamlined loan processes.
This year, BRI features two KUR options: Micro KUR and Small KUR.
BRI Micro KUR
The Micro KUR provides loans up to a maximum of Rp50 million per debtor, with a 6% effective annual interest rate. loan tenors reach up to 3 years for working capital loans (KMK) and 5 years for investment loans (KI). this option requires no additional collateral and has no administrative or provision fees.
BRI’s Small KUR
The Small KUR offers larger loan amounts, ranging from Rp50 million to Rp500 million. It also carries a fixed 6% annual interest rate, with maximum tenors of 4 years for KMK and 5 years for KI. Unlike the Micro KUR, the Small KUR requires collateral as per standard bank policy.
Eligibility Requirements for BRI KUR 2025
Applicants must meet specific criteria:
- Micro KUR: Indonesian citizens aged at least 21 years or married, operating a productive business for a minimum of 6 months, and not currently receiving other business credit from banks (excluding consumer loans like mortgages, vehicle financing, or credit cards).
- Small KUR: Productive businesses with at least 6 months of operation, not receiving other business loans (excluding consumer credit), and possessing business legality documentation such as IUMK or other relevant business licenses.
Required Documentation
Applicants must submit:
* Original Identity Card (KTP)
* Family Card (KK)
* Business legality documents (IUMK, NPWP, SIUP, TDP, or Business certificate from kelurahan)
Application Process
Applications can be submitted through two channels:
- Visiting the nearest BRI branch office with all required documents.
- Applying via BRI’s digital platforms (BRISPOT application or the BRI official website).
Installment Simulations
With a fixed interest rate of 6% per year,BRI KUR 2025 offers manageable installments. For a Rp75 million loan, installments start from approximately Rp220,000 per day. Specific monthly and daily installment amounts vary based on the loan amount and chosen tenor.