USD 15,210.00 0.01
JPY 117.00
GBP 18,728.00 0.00
AUD 10,163.00 0.00
HKD 1,988.00 0.01
SGD 11,445.00 0.00
EUR 16,448.00 0.00
MYR 3,511.00 0.00
SAR 4,150.00 0.00
CNY 2,211.00 0.00
Currency Purchasing Price Selling Price
  • USD 15,010.00 15,210.00
  • JPY 115.00 117.00
  • GBP 18,477.00 18,728.00
  • AUD 10,027.00 10,163.00
  • HKD 1,862.00 1,988.00
  • SGD 11,293.00 11,445.00
  • EUR 16,229.00 16,448.00
  • MYR 3,365.00 3,511.00
  • SAR 3,897.00 4,150.00
  • CNY 2,182.00 2,211.00
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 (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 and Cost
1 Product Name Kredit Usaha Rakyat (KUR)
2 Product Type Earning Credit
Credit Ceiling
s.d. 500 million
5 Term
According to product terms
Administration Fee
0.25% or a minimum of IDR 250 thousand
Provision Fee 0 rupiah


Terms and Conditions
  • 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
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

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