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Kredit Usaha Rakyat (KUR)
Working capital and/or investment loans provided by Bank BTN to business fields that according to their scale have the status of Micro, Small, and Medium Enterprises (MSMEs) in the business sector productive and feasible but do not have additional collateral or additional collateral yet.
Financing up to 500 million
Maximum period of 5 (five) years
Easy credit requirements
The need to develop a business
Low interest rate
Fast and easy credit process
- Provision Fee 0 %
- interest rate 6% effective per annum
Costs may change due to bank’s condition.
| FEATURES | ||
| 1 | Product Name | Kredit Usaha Rakyat (KUR) |
| 2 | Product Type | Earning Credit |
| 3 |
Currency |
Rupiah |
| 4 |
Credit Ceiling |
s.d. 500 million |
| 5 | Term |
According to product terms |
| 6 |
Administration Fee |
0.25% or a minimum of IDR 250 thousand |
| 7 |
Provision Fee | 0 rupiah |
- Not currently enjoying productive credit and program credit outside of KUR at another bank or bank
- Not included in the blacklist of Bank Indonesia and not listed as a bad debtor
- You can enjoy loans in the form of home ownership loans (non-subsidized), motor vehicle loans/leasing, and KUR at the same dealer, credit cards and warehouse receipts with smooth collectibility
- Required to check prospective debtors through the Financial Information Service System
- At least 21 years old or married
- TIN (for Small KUR)
- Prospective debtors have a National Identity Number (NIK) as evidenced by an identity card in the form of an Electronic Identity Card (e-KTP)
- Has been in business for at least 1 year
|
Applicant Document |
|
Attach applicant and sposeidentifications such as National ID (KTP), Family Card (KK) and Marriage Contract (for those married). |
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Deed of establishment and Deed of Last Amendment |
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Certificate of income submitted by the local village |
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Tax ID |
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Business Permit |
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Legality of Business place |
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Copy of Account savings |
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Financial report |
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Collateral legality (for KUR Kecil) |
*tTerms and Conditions apply
- Apply for Kredit UMKM Investasi to the nearest Bank BTN
- Submit and prepared files
- Files that have been received will be processed and verified by Bank BTN
- After passing and approved then the applicant will do the credit agreement
- Credit Disbursement
