Affordable Funding for Micro-Businesses: BRI Micro KUR 2025 Loan Installments Start at Rp 6,443
Jakarta, indonesia – Micro, Small, and Medium Enterprises (MSMEs) have a vital new funding option as Bank Rakyat Indonesia (BRI) continues its Micro KUR (Kredit Usaha Rakyat) program in 2025, offering loans up to Rp 50 million with installments as low as Rp 6,443. The program aims to support traders, craftsmen, and online business owners with accessible capital and affordable repayment plans.
Many traders, craftsmen, and online business people are helped by the presence of micro KUR, because the conditions are easy and the installments are very affordable.
This article details the BRI Micro KUR 2025 program, including loan ceilings, interest rates, tenors, and installment simulations to aid understanding.
KUR BRI Micro 2025 Installment Table
What is KUR BRI Micro 2025?
BRI Micro KUR is a working capital or investment loan facility provided by BRI Bank for businesses with relatively small capital needs. This category is intended specifically for productive businesses,both new businesses and businesses that have been running.
Main Characteristics of BRI Micro KUR 2025:
Loan ceiling: up to Rp. 50 million.
Interest: 6% effective per year (around 0.5% per month).
Tenor: starting from 12 months (1 year) to 60 months (5 years).
Collateral: No additional collateral required; productive businesses operating for at least 6 months are sufficient.Advantages of BRI Micro KUR 2025
Lower Interest: Only 6% per year, significantly cheaper than typical commercial loans which can reach 12-18% per year.
Fast and Easy Process: Submission can be done directly at the nearest BRI branch/unit or through the official website kur.bri.co.id.
Without Additional Collateral: For loans up to Rp 50 million, no additional guarantees are needed.
Supports MSMEs: The program is designed to increase the competitiveness of micro businesses and facilitate growth.Simulation of installment table KUR BRI Micro 2025
The following is a simulation of the Micro BRI KUR installment table with 6% interest per year (0.5% per month). This may vary slightly depending on local BRI policy.
1. Loan ceiling IDR 10 million
12 months tenor → IDR 860 thousand/month
24 month tenor → IDR 445 thousand/month
Tenor 36 months → IDR 310 thousand/month
60 months tenor → IDR 210 thousand/month