USD 14,473.00 0.00
JPY 132.00
GBP 19,878.00 0.00
AUD 10,469.00 0.01
HKD 2,009.00 0.00
SGD 10,830.00 0.00
EUR 16,552.00 0.00
MYR 3,606.00 0.00
SAR 4,057.00 0.00
CNY 2,377.00 0.00
Currency Purchasing Price Selling Price
  • USD 14,173.00 14,473.00
  • JPY 119.00 132.00
  • GBP 19,267.00 19,878.00
  • AUD 10,150.00 10,469.00
  • HKD 1,670.00 2,009.00
  • SGD 10,401.00 10,830.00
  • EUR 16,115.00 16,552.00
  • MYR 3,232.00 3,606.00
  • SAR 3,577.00 4,057.00
  • CNY 2,129.00 2,377.00
BTN Contact Us

Kredit Usaha Rakyat, Your Business Initial Steps

Kredit Usaha Rakyat is a solution to provide working capital and financing investment to increase the capability of small businesses that have not met the banking (non bankable) requirements


Kredit Usaha Rakyat

Working capital and/or investment loans granted by Bank BTN to businesses that according to their scale are in the form of Micro, Small, and Medium Enterprises (MSMES) in a productive and viable business field but have no additional collateral or additional collateral yet

Credit facility up to IDR 500 million

Low interest rates, only 6% effective per year

Fast process and simple requirements

  • 6.00% for all KUR types (effective interest calculation per year)

Costs may change due to bank’s condition.

  • Credit Allotment
       Working Capital and Investment
  • KUR distribution form
       Linkage: Executing Pattern dan Pola Channeling Pattern
  • Credit Plafond
       KUR Mikro
       Maximum IDR 50 million
  • KUR Kecil
       Maximum IDR 500 million
  • UR Linkage
       Linkage Institution: Maximum IDR 2 Billion
       End User: According to the type that given to the end user (KUR Mikro atau KUR Kecil)
  • Working Capital Loan Period (KMK)
       KMK Mikro
        Maximum 3 years (maximum length up to 4 years)
      KMK Kecil 
        Maximum 4 years (Maximum length up to 5 years)
  • Investment Credit Period (KI)
        KI Mikro
         Maximum of 5 years (maximum length up to 7 years)
        KI Kecil
         Maximum of 5 years (maximum length up to 7 years)
  • Interest Rate 
        6% for all KUR types (effective interest calculation per year)

Terms and Conditions
  • Not being a targeted partner of other BUMN
  • Not enlisted in BI’s blacklist
  • Receiving credit in the form of KPR (non-subsidized), motor vehicle loans/Leasing, and KUR on the same dealers, credit cards and warehouse receipts with a smooth collectibility
  • Mandatory debtor checking through Financial Information Services System
  • Minimum age of 21 years or married
  • Tax ID (KUR Kecil)
  • E-KTP
  • Has been in business activities for at least 6 Months
Document Completeness

Applicant Document

Attach applicant and sposeidentifications such as National ID (KTP), Family Card (KK) and Marriage Contract (for those married).

Deed of establishment and Deed of Last Amendment

Certificate of income submitted by the local village

Tax ID

Business Permit

Legality of Business place

Copy of Account savings

Financial report

Collateral legality (for KUR Kecil)

*tTerms and Conditions apply

Requirements Document Guarantees
  • Main collateral 
         -The feasibility and results of operations of the financed object
  • Additional collateral
         - KUR MIKRO
             Not required to submit additional collatera
          - KUR Kecil
              KUR Kecil facility must be guaranteed by the deposit of additional collateral
How to Register
  • 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

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