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.

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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.