KUR Kecil : Bank BTPN

KUR Kecil

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.


KUR Kecil product credit facility can be used for working capital credit purposes to meet the working capital needs of MSME entrepreneurs, or it can also be used for investment as business development. In addition, through the Daya Program, all debtors are given the opportunity to receive training aimed at assisting debtors in managing and/or improving their business capabilities.

Requirements & Procedures

  1. Do not have KUR loan
  2. Do not have a business capital loan, (working capital / investment) in a bank or other financial institution except for loans in the form of credit cards, Home Ownership Credit (KPR), and Motor Vehicle Loans (KKB)
  3. Filling out the credit application form and opening an account
  4. Prospective debtors must meet the main requirements to obtain facilities, including, but not limited to:
    • ​​The debtor's business is still running and has been running for a minimum of six (6) months
    • The debtor's business is not engaged in an illegal business or types of business that are prohibited.
    • Minimum age 21 years or 18 years if married
    • Indonesian citizen
    • Have a good loan history (for those who have/have loans from other creditors).
  5. Documents that must be met are:*


Type of documents



Requirement documents



Application for Credit & Account opening


Identity documents


a. E-KTP ID card (along with spouse's E-KTP ID card)


b. Family Card/Marriage Certificate (if married)


c. Divorce Certificate or Death Certificate/Deed (if widow/widower)




e. Business license/certificate (NIB)


For ceilings > 100 million to 500 million, you must attach an additional guarantee in the form of a guarantee certificates


a. Land & Building (SHGB/SHM/SHMARS)


b. Motorized Vehicles (BPKB)


Credit Bonding Documents



Credit Agreements


Collateral bonding documents


Notes :

  • Every application that meets the requirements above will be processed according to the provisions in force at BTPN.
  • The debtor is obliged to provide data and/or information that is required and required and guarantees the truth of the data and/or information provided is in accordance with what was notified and submitted, and indemnifies BTPN from any losses, demands or lawsuits that may arise in the future on the data and / or information provided by the debtor.
  • If a more complete explanation is needed regarding credit product information and/or if there are complaints/complaints, please contact the nearest BTPN branch officer.

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.


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."