People's Business Credit (Kredit Usaha Rakyat/KUR)

The Government of the Republic of Indonesia program referred to as People's Business Credit (KUR) is credit/financing of working capital and/or investment to individual/individual debtors, business entities and/or business groups that productive and feasible but do not have additional collateral/guarantee or additional collateral/guarantee is not sufficient.

People's Business Credit (KUR) – Micro

KUR Micro product is unsecured loan product which provided for traders or entrepreneurs involved in MSME (UMKM) business sector. Product loan limit for Micro KUR starting from Rp. 10 million to Rp. 100 million with maximum loan term up to 36 months for working capital needs and 60 months for investment needs.

 

People's Business Credit (KUR) – Small

KUR Small/KUR Kecil is secured loan product which provided for traders or entrepreneurs involved in MSME (UMKM) business sector. Product loan limit for Micro KUR products starting from > Rp. 100 million up to Rp. 500 million with maximum loan term  up to 48 months for working capital needs and 60 months for investment needs.

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Significant Impact

Our empowerment program is an integrated element to our business model. We will always try to create opportunities for all BTPN customers to grow and make a more meaningful life through our products and activities.

Rumindah

BTPN Mataram Customer

“Since the 1990s, I have been developing, accommodating and selling the handiwork of weavers. Unfortunately, the business was not going anywhere. After my retirement, I was determined to develop this business further. Now, together with the BTPN Purna Bakti, my business has grown and I have my own gallery.”

Cecep Solihin

BTPN Bogor Customer

“My business has grown significantly after three years of becoming a BTPN customer. Especially with the trainings I received from BTPN, now I understand about bookkeeping and business management. There, I also learnt about online business.”

Rudy Chandra 

BTPN Pecenongan Customer

Small to medium retail printing is a capital heavy business, but what we sell is largely service-unlike the large scale printing companies. Not many banks are willing to look past the surface and understand the type of business that I have built and run since 8 years ago. With the Bank’s support and assistance over the past 2 years, my business continues to grow together with BTPN Mitra Bisnis.