Bank Mandiri Accelerates UMKM Growth Through KUR Disbursement

Strategic Support for People's Economy

Bank Mandiri has demonstrated its commitment to supporting Indonesia's 'Ekonomi Kerakyatan' by disbursing Rp40.99 trillion in Kredit Usaha Rakyat (KUR) loans throughout 2025. This significant financial injection reached 355,658 UMKM across the country, reinforcing the bank's role as a strategic partner to the government in fostering sustainable economic growth. The disbursement aligns with President Prabowo's Asta Cita, particularly in enhancing community welfare, creating employment opportunities, and strengthening national economic resilience.

Sectoral Focus and Portfolio Quality

The bank's KUR disbursement showed a clear focus on the production sector, which accounted for 61.54% of the total loans, amounting to Rp25.13 trillion. Agriculture emerged as the primary beneficiary, receiving Rp12.75 trillion (31.23% of total KUR), followed by production services at Rp8.76 trillion (21.45%), and manufacturing at Rp3.03 trillion (7.43%). This sectoral distribution underscores Bank Mandiri's commitment to supporting key areas that drive national economic growth and food security.

Quality Portfolio Management

Despite the significant disbursement, Bank Mandiri maintained a non-performing loan (NPL) rate below 1%, demonstrating effective risk management in its KUR portfolio. The bank achieved this through an ecosystem-based lending approach, integrating UMKM financing with its wholesale customers, particularly in prominent production sectors across various regions. This closed-loop strategy optimizes synergy between large corporate clients, UMKM, and business partners within the same value chain, enhancing both efficiency and business sustainability.

Digital Infrastructure and Financial Inclusion

Bank Mandiri complemented its KUR program with comprehensive financial services infrastructure. The bank's Mandiri Agen network, part of its Laku Pandai initiative, served as crucial touchpoints for daily transactions and loan repayments among UMKM clients. Additionally, the bank provided financial education and digital literacy programs to empower UMKM operators, promoting inclusive and modern financial management practices.

Future Outlook for 2026

Bank Mandiri is poised to continue its robust support for the government's KUR program in 2026. The bank plans to leverage its integrated ecosystem approach, utilizing synergies within the Mandiri Group to enhance the effectiveness of its KUR disbursement. Bank Mandiri's CEO, Riduan, expressed confidence that the program would not only contribute to the bank's performance but also play a vital role in strengthening the national economy through sustainable UMKM growth.