BRI Expands KUR Loan Program for MSMEs in 2025

Government Allocation and Interest Rate

The Indonesian government has allocated Rp300 trillion for the Kredit Usaha Rakyat (KUR) program in 2025, maintaining a fixed 6% interest rate. This credit facility is designed to support Micro, Small, and Medium Enterprises (MSMEs) through accessible financing options. Coordinating Minister for Economic Affairs Airlangga Hartarto announced that the latest policy was decided during a KUR coordination meeting at the Ministry of Economic Affairs office in Jakarta on November 17, 2025.

BRI's Role in KUR Distribution

Bank Rakyat Indonesia (BRI) remains the largest distributor of KUR loans. By the end of August 2025, BRI had successfully disbursed Rp114.28 trillion to approximately 2.5 million MSME debtors. This distribution represents 65.31% of BRI's total KUR allocation for 2025, which stands at Rp175 trillion. BRI's Micro Banking Director, Akhmad Purwakajaya, emphasized that the bank continues to expand access to financing while enhancing the capacity of MSME players.

Types of KUR Available

BRI offers two primary types of KUR: KUR Mikro and KUR Kecil. The main difference between these two lies in the maximum loan amount. KUR Mikro has a maximum limit of Rp50 million per debtor, while KUR Kecil offers a higher plafond ranging from Rp50 million to Rp500 million. Prospective borrowers can refer to the installment table provided by BRI to assess their monthly repayment capacity.

Requirements for KUR Applicants

The article outlines specific requirements for prospective KUR debtors at BRI, emphasizing the bank's commitment to providing accessible credit facilities while maintaining prudent lending practices. As of the latest update, the KUR program continues to be a vital instrument in expanding productive financing that directly impacts community economic empowerment.