BRI Launches 2025 People’s Business Credit Program with loans Up to Rp75 Million
Bank Rakyat Indonesia (BRI) is offering theโข People’s Business Credit (KUR)โค program in 2025, designed toโ provide accessible financing for micro, small, and medium enterprises (MSMEs) with competitive interest โrates.โข The program aims to stimulate MSME growth โฃthrough affordable and streamlined loan processes.
This year, BRI features two KURโ options: Micro KUR and Small KUR.
BRI Micro KUR
The Micro KUR provides loans upโฃ toโ a maximum โขof Rp50 million per debtor, with a 6% effective annual โคinterest rate. loan โtenors reach โขupโค to 3 years for working capital loans (KMK) and 5 years forโ investment loans (KI). this option requires no additional collateral and has no โadministrative or provision fees.
BRI’s Small KUR
The Small โKUR offers largerโ loan amounts, ranging from Rp50 โmillion to Rp500 million. It also carries a fixed 6% annual interest rate, with maximum โtenorsโ of 4 years for KMK and 5 years for KI.โ Unlike the Microโ KUR, the Small KUR requires collateral as per standard โคbank policy.
Eligibility Requirements for BRI KURโ 2025
Applicants must meet specific criteria:
- Microโฃ KUR: Indonesian citizens aged at least 21 years โor married, operating a productive business for a minimum of 6 months, andโข not currently receiving other business credit from banks (excluding consumer โloans like mortgages, vehicle financing, or credit cards).
- Small KUR: Productive businesses โคwith at least 6 โmonths 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:
* Originalโ Identity Card (KTP)
*โ Family Card (KK)
* โ Business legality documents (IUMK, NPWP, SIUP, TDP, or Business certificateโฃ fromโข 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 โinterestโ rate of 6% per year,BRI KUR 2025 offers manageable installments. For a Rp75 million loan, installments start from approximatelyโ Rp220,000 per day. Specific monthly and daily installment amounts vary based on the loan amount and chosen tenor.