KUR Mikro : Bank BTPN

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.


KUR Micro can be used to meet the working capital needs of MSME entrepreneurs or for investment as a way to develop a business. In addition to financial access, through the Daya Program, customers are provided with opportunities to develop their business knowledge and skills, as well as create new business opportunities.


Summary of Product Information can be seen here

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. If the loan is in the form of a Credit Card, Home Ownership Credit (KPR), and Motor Vehicle Loan (KKB), Credit guaranteed by a Pension Decision Letter (SK), Consumption credit for household purposes is still allowed to apply for KUR
  3. Fill out a credit application form and open an account
  4. The debtor must fulfill the main requirements to obtain the facility, including, but not limited to:
    • The debtor's business is still running and has been running for a minimum of 6 months
    • Not an illegal type of business or a prohibited type of business.
    • 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 Document (*)


Required Documents

•       Application for credit application & account opening

•       Identity Documents

•       KTP (along with spouse's ID card)

•       Family Card / Marriage Certificate (if married)

•       Divorce Certificate or Death Certificate / Death Certificate (if widowed)

•       NPWP

•       Permit/business statement (from Kelurahan / Ministry

•       Credit Binding Document

•       Credit Agremeent




  • Every application that meets the requirements above will be processed based on the applicable provisions at BTPN.
  • Debtors are required to provide the required data and/or information and necessary and ensure that the data and/or information provided are correct in accordance with what was notified and submitted, and free BTPN from any losses, claims 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."