People's Business Credit (KUR)
Kredit Usaha Rakyat (KUR)
Status not published
Rolling, subject to the annual national KUR ceiling allocated across participating banks.
Government interest-subsidised working capital and investment loans delivered through appointed banks. Tiers include KUR Super Mikro (up to IDR 10 million), KUR Mikro (up to IDR 100 million), and KUR Kecil (up to IDR 500 million), at a subsidised annual interest rate (historically 6%).
Kementerian Koordinator Bidang Perekonomian (interest subsidy) delivered through appointed banks
ppp · national
Deadline: rolling — Rolling, subject to the annual national KUR ceiling allocated across participating banks.
This funder does not publish a success rate. We rank it using the rate observed across similar programmes and label it as an estimate rather than implying we know.
Moderate — a form and supporting documents.
Who can apply
- micro enterprises
- Stage: pre_seed, seed, series_a
- Locally registered entity required
Indonesian micro, small and medium enterprises, including unincorporated sole traders, that have been operating for at least six months and are not currently receiving other subsidised programme credit.
How to apply
- Choose a participating bank (for example BRI, Mandiri, BNI, BSI).
- Prepare business documents and the loan application.
- Bank survey and credit assessment.
- Loan approval and disbursement.
What you will need
- Identity card (KTP) and family card (KK)
- Business licence (NIB or equivalent)
- Business financial records
- Proof of at least six months of business operation
- Collateral documents for KUR Kecil (if applicable)
Source. https://kur.ekon.go.id/ — checked 2026-08-14 · not human-checked
"KUR adalah kredit modal kerja dan investasi bagi UMKM dengan suku bunga bersubsidi pemerintah."