Bank Mandiri's KUR Disbursement Highlights Economic Support

Significant Allocation to Productive Sectors

PT Bank Mandiri (Persero) Tbk has successfully disbursed Rp40.99 trillion in KUR loans during 2025, supporting 355,658 MSME players across Indonesia ¹

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Source 2

https://finansial.bisnis.com/read/20260109/90/1942986/bank-mandiri-bmri-salurkan-kur-rp4099-triliun-sepanjang-2025

. This significant financial injection demonstrates the bank's commitment to backing government initiatives aimed at boosting economic growth through MSME empowerment. The bank's NPL ratio for KUR remained below 1%, indicating effective risk management in credit distribution ¹

Source 1

https://keuangan.kontan.co.id/news/bank-mandiri-salurkan-kur-rp-4099-triliun-di-2025-fokus-sektor-produksi

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Sectoral Distribution of KUR Funds

The disbursement was strategically focused on productive sectors, with 61.54% (Rp25.13 trillion) of total KUR funds allocated to these areas. The agricultural sector received the largest share at Rp12.75 trillion (31.23%), followed by production services (Rp8.76 trillion, 21.45%), manufacturing (Rp3.03 trillion, 7.43%), and fisheries (Rp562 billion, 1.38%) ¹

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Strategic Approach to KUR Disbursement

Bank Mandiri implemented an ecosystem-based financing approach, integrating KUR distribution with wholesale customer networks, particularly in key production sectors across various regions. This closed-loop strategy optimized synergy between wholesale customers, MSMEs, and business partners within the same value chain, enhancing both efficiency and business sustainability ²

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Supporting MSME Growth Through Financial Inclusion

The bank complemented its KUR program with financial services education and digital literacy initiatives, empowering MSMEs to manage their finances more effectively. Mandiri Agen, the bank's agent banking network, played a crucial role in serving KUR debtors' daily transaction needs and loan repayment processes ²

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Future Outlook for KUR Disbursement

Bank Mandiri remains committed to supporting the government's KUR program in 2026 through enhanced ecosystem-based financing strategies and integrated collaboration within the Mandiri Group. This approach is expected to create positive synergies for both the bank's performance and national economic growth ²

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