Kredit Usaha Rakyat (KUR) : BTPN

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KREDIT USAHA RAKYAT (KUR)

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

Supporting government programs to serve financing for the wider community, we also open KUR financing services (Government Program of the Republic of Indonesia called Kredit Usaha Rakyat/ KUR).

This product is a working capital or investment financing for individual/individual debtors, business entities and/or business groups that are productive and feasible but do not have sufficient collateral.

People's Business Credit (KUR) – Micro

KUR Micro are unsecured products provided to traders or entrepreneurs engaged in the MSME business sector for working capital and investment needs. There is a credit limit for Micro KUR products starting from Rp. 10 million to Rp. 100 million with a maximum payment term of up to 36 months for working capital needs and 60 months for investment needs.

People's Business Credit (KUR) – Small

KUR Kecil are products with guarantees that are given to traders or entrepreneurs engaged in the MSME business sector for working capital needs and investment needs. There is a credit limit for Micro KUR products > Rp. 100 million to Rp. 500 million with a maximum payment term of 48 months for working capital needs and 60 months for investment needs.

KUR Micro

KUR Micro product is unsecured loan product which provided for traders or entrepreneurs involved in MSME (UMKM) business sector.

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KUR Kecil

KUR Small/KUR Kecil is secured loan product which provided for traders or entrepreneurs involved in MSME (UMKM) business sector.

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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.