BCA Examines New KUR Scheme for 2026 with Enhanced Features

Government Announces Expanded KUR Program

PT Bank Central Asia Tbk. (BBCA) is carefully examining the new Kredit Usaha Rakyat (KUR) scheme announced by the government for 2026. The new scheme features a fixed 6% interest rate and removal of withdrawal limits for productive sectors. The government has allocated Rp300 trillion for KUR in 2026, representing a significant commitment to supporting small businesses and economic growth.

BCA's Current KUR Performance

As of Q3 2025, BCA has disbursed Rp535 billion in KUR, achieving 59.4% of its annual target. The bank remains committed to prudent lending practices while supporting government initiatives to boost economic activity. BCA continues to coordinate with stakeholders to provide optimal services to its customers.

Enhanced Features of New KUR Scheme

The new KUR scheme includes several key enhancements:

1. Fixed 6% interest rate for all KUR loans
2. No withdrawal limits for productive sectors such as agriculture, trade, and export
3. Increased allocation to Rp300 trillion for 2026

Government Perspective on KUR Expansion

The Coordinating Minister for Economic Affairs, Airlangga Hartarto, announced that the new policy was decided during a KUR coordination meeting on November 17, 2025. The Minister for SMEs, Maman Abdurrahman, reported that KUR disbursement had reached Rp238 trillion by November 2025, approximately 83% of the Rp286 trillion target for the year. The ministry aims to allocate 65% of KUR funds to productive sectors in 2026, up from 60% in 2025.

BCA's Risk Management Approach

BCA's EVP for Corporate Communication, Hera F. Haryn, emphasized that the bank will continue to apply prudent credit practices and strengthen its credit scoring and monitoring processes. The bank remains proactive in managing potential risks and maintaining asset quality. This approach aligns with BCA's commitment to supporting both government programs and sustainable business practices.