BRI Offers Non-KUR Loans Up to IDR 500 Million with Installments Starting at IDR 8,000
Jakarta, Indonesia – Bank Rakyat Indonesia (BRI) is now offering non-KUR (Micro Credit) loans ranging from IDR 1 million to IDR 500 million, designed to support the growth of Micro, Small, and Medium Enterprises (MSMEs) across Indonesia. With installment options starting as low as IDR 8,000 per day, the loans aim to provide accessible financing for both startup and established businesses.
These non-KUR loans present a significant chance for MSMEs seeking capital for various needs, including working capital and expansion. Loan amounts between IDR 1 million and IDR 50 million feature installment plans adjusted to loan size and tenor,with longer terms resulting in lower monthly payments. Larger loans,ranging from IDR 50 million to IDR 500 million,are geared towards substantial business investments and are typically secured with collateral.
To qualify for a BRI non-KUR loan, applicants must be Indonesian citizens at least 21 years old (or married), possess a business that has been operational for at least six months (for productive loans), and maintain a clean credit history. Required documentation includes a national ID card (KTP) for the applicant and spouse (if applicable),a Family Card (KK),business documentation such as a SKU,NIB,or equivalent,a Taxpayer Identification Number (NPWP) for certain loan amounts,an active BRI account,and collateral – such as a vehicle registration certificate (BPKB) or land certificate – depending on the loan value.
BRI has released a loan installment simulation table to help potential borrowers estimate their monthly obligations. Examples include a IDR 1 million loan with daily installments starting at IDR 3,775 for a 12-month tenor, and a IDR 20 million loan with daily installments beginning at IDR 39,200 for the same period.
Loan Installment Simulation (2025):
| Loan Amount (IDR) | 12 Months /Day | 18 Months /Day | 24 Months /Day | 36 months /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 |
