BRI's KUR 2025 Program: Empowering MSMEs through Flexible Financing

Comprehensive Loan Solutions for Diverse Business Needs

Bank BRI's Kredit Usaha Rakyat (KUR) program for 2025 continues to be a vital financing solution for Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. As of August 2025, BRI has successfully disbursed Rp114.28 trillion in KUR loans to approximately 2.5 million MSMEs, representing 65.31% of the total Rp175 trillion allocation for the year.

Three-Tiered Loan Structure

The KUR BRI 2025 program is structured into three distinct categories to cater to various business needs:

1. KUR Super Mikro: Designed for very small enterprises
2. KUR Mikro: Suitable for micro businesses requiring moderate capital
3. KUR Kecil: Targeted at small businesses needing higher loan amounts

Each category has specific loan ceiling limits, allowing MSMEs to choose the most appropriate financing option based on their business scale and requirements.

Key Features and Benefits

The KUR BRI program stands out due to its:

• Competitive interest rates: Making it an affordable financing option
• Flexible loan tenors: Allowing businesses to manage repayment schedules effectively
• Simplified application process: Both online and offline submission options available
• Support for business growth: Enabling MSMEs to expand operations, purchase inventory, and develop their businesses further

Application Requirements and Process

To be eligible for KUR BRI 2025, applicants must meet specific criteria, including:

• Being an Indonesian citizen or legal entity
• Operating a viable business for at least 6 months
• Meeting specific loan ceiling requirements based on the KUR category

The application process is available through both online and offline channels, providing convenience for MSMEs across different regions.

Impact on MSME Sector

The KUR BRI program has been instrumental in supporting Indonesia's MSME sector by providing accessible and affordable financing options. By continuing this initiative in 2025, BRI demonstrates its commitment to fostering economic growth at the grassroots level and empowering entrepreneurs to achieve their business goals.