Kredit Usaha Rakyat (KUR)

Working Capital Loans for prospective borrowers who do not have sufficient collateral

Multipurpose Business Loan

Meet Various Needs

Not only for working capital but also for investment, business development, various business costs, obligations, etc.

Competitive Interest Rates

Lower fixed interest rates for a certain period

Flexible and Easy

Longer term resulted in more affordable installment

Kredit Usaha Rakyat (KUR)

About Important Information Fees, Limits, and Interest Rates Get the Service

Kredit Usaha Rakyat (KUR)

Easy solution for working capital and investment needs for Small and Medium entrepreneurs with insufficient collateral.

Advantages of Kredit Usaha Rakyat (KUR)

  • Interest rates start from 6%-9% eff p.a.
  • Free Provision & Administration fee

Important Information

Types of Facility

Working Capital Loan or Investment Loan with monthly installment payments


Type Working Capital Loan Investment Loan

KUR Micro

3 years

5 years

KUR Small

4 years

5 years


  • Vacant land/paddy land/land and building
  • Shops
  • Apartment
  • Motor vehicles
  • Inventory*)
  • machinery*)

*) as additional collateral

Terms and Conditions

  • Indonesian citizens who already have e-KTP
  • An individual or business entity
  • Minimum age of 21 years old or married for individual customers
  • Business running for at least 6 months
  • Not having an ongoing KUR at another bank
  • Never received Productive Credit

Document Requirements

Individual Customer

  • e-KTP of the prospective borrower and spouse
  • NPWP (for applications above IDR50 million)
  • Family Card
  • Business Certificate/NIB
  • BPJS Employment (for Small KUR applications only)

Business Entity Customer

  • Deed of Establishment and all amendments
  • Ratification of the Deed of the Ministry of Law and Human Rights
  • NPWP of Business Entities
  • KTP of Management and Shareholders Pengurus dan Pemegang Saham
  • NPWP of Management and Shareholders
  • Business Certificate/NIB/TDP
  • BPJS Employment (for Small KUR applications only)


Fee Type



Provision Fee


Administration Fee

Late Fee

Subject to applicable regulations

Other Fees

(Such as notary fee, appraisal, insurance, etc)


Subject to applicable regulations


Loan Loan Limit
Micro KUR > IDR10,000,000 - IDR100,000,000
Small KUR > IDR100,000,000 - IDR500,000,000
Special KUR Up to IDR500,000,000

Interest Rates

Interest rates start from 6%-9% eff p.a.

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