The Kredit Usaha Rakyat (KUR) Mikro is the collateral-free BTPN product which is provided for traders or businessmen in the MSME sector. The available loans for KUR Mikro products start from Rp 1 million to Rp 25 million with installment to maximum 36 months for working capital and 60 months for investment.

Product Overview

The Kredit Usaha Rakyat (KUR) Mikro can be used to fulfill the need of working capital for MSME businesses or to invest as a way to expand the business. Besides financial access, the BTPN Daya Program also gives the opportunity for customers to expand their know-how and business skills as well as creating new business opportunity.


Click here to download Product Information Summary

Terms and Conditions

  1. Applicants must not have any loans (KUR)
  2. Applicants must not have any working capital loans or investment in banks or other financial institutions unless credit cards, house mortgages and car or motorcycle loans (KKB)
  3. Applicants must fill in the request for credit forms and open an account
  4. Applicants must qualify for financing, including:
    1. Debtor’s business is ongoing for at least six (6) months
    2. Debtor has no illegal business according to regulations
    3. Debtor is at least 21 years old or 18 years old if he/she is married
    4. Indonesian citizen
    5. Debtor must have good loan track record (for those who has or is borrowing from other creditors)
  5. Required documents are:




  • Application for credit and new account

  • Identity
  1. ID card (and spouse’s ID)
  2. Family certificate or Marriage certificate
  3. Divorced statement or death certificate (or a widow/widower)

  • Tax Identification Number (NPWP)
  • Business permit from subdistrict office or related ministry

Credit document

  • Credit agreement

  1. Every eligible applicant will be processed based on the regulation at the BTPN Mitra Usaha Rakyat.
  2. Debtor must provide the required and needed data and/or information and guarantee the truth of the data and/or information and will not cause BTPN Mitra Usaha Rakyat any losses or lawsuits which may happen in the future due to the given data and/or information from the debtor.


For further information on the credit product information and/or if there are any complaints, please call our officers at the nearest BTPN Mitra Usaha Rakyat branch.

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.