Cara Pengajuan KUR di BRI

>Hello Sohib EditorOnline, are you looking to expand your business but lack funds to do so? Have you heard of KUR, Kredit Usaha Rakyat, a type of loan provided by BRI for micro, small, and medium-sized businesses? In this article, we’ll guide you through the process of applying for KUR and answer some frequently asked questions.

What is KUR?

KUR or Kredit Usaha Rakyat is a government-funded loan program designed to help micro, small, and medium-sized businesses in Indonesia. KUR loans are issued by banks such as BRI at subsidized interest rates and with flexible repayment terms.

According to the Ministry of Cooperatives and Small and Medium Enterprises, KUR aims to support the growth of small and medium-sized businesses which account for 99% of businesses in Indonesia and create up to 80% of job opportunities in the country.

KUR Types and Purposes

There are several types of KUR loans offered by BRI, each with a different loan limit and purpose:

Note that other banks may have slightly different loan types and limits.

How to Apply for KUR at BRI

1. Review the Requirements

Before applying for KUR at BRI, make sure you meet the following requirements:

• Indonesian citizen
• At least 21 years old
• Owns a micro, small, or medium-sized business that has been operating for at least 6 months
• Has a good credit score and no history of bad credit
• Has a business location and business permit (SIUP or TDP)

Additionally, prepare the following documents:

• Copy of ID card or family card
• Copy of SIUP or TDP
• Copy of the latest tax receipt (for businesses that have been operating for more than 1 year)
• Copy of bank statement for the last 6 months

2. Visit BRI Branch Office

Locate the nearest BRI branch office and bring along the required documents. Request a KUR application form and fill it out completely and accurately.

Make sure to provide detailed information about your business, such as the type of business, number of employees, annual revenue, and business plan. This will help BRI assess your eligibility and the capacity of your business to repay the loan.

3. Submit the Application

Submit the completed application form and the required documents to the BRI officer in charge. The officer will review your application and inform you of the next steps if your application is approved.

4. Wait for Approval

The approval process usually takes around 7-14 working days. During this time, BRI will verify your business information, credit score, and repayment capacity.

If your application is approved, BRI will disburse the loan amount directly to your registered bank account. Make sure to use the funds solely for the intended business purpose and make prompt repayments as per the agreed terms.

Frequently Asked Questions

1. What is the interest rate for KUR at BRI?

The interest rate for KUR at BRI is currently at 6% per annum, significantly lower than the average bank loan interest rate in Indonesia.

2. What is the repayment period for KUR at BRI?

The repayment period for KUR at BRI varies depending on the loan type and purpose. For KUR Mikro, the repayment period is up to 24 months, while for KUR Industri, it can be up to 60 months.

3. Can I apply for more than one type of KUR loan at the same time?

No, you can only apply for one type of KUR loan at a time. However, you can apply for another KUR loan after your previous loan has been fully repaid.

4. What happens if I fail to repay the KUR loan?

If you fail to make prompt repayments as per the agreed terms, BRI may charge late payment fees and take legal action to recover the loan amount. Additionally, your credit score may be negatively affected.

5. Can I use KUR funds for personal purposes?

No, KUR funds must be used solely for the intended business purpose. Using KUR funds for personal purposes is prohibited and may result in legal action.

In conclusion, KUR is a great option for micro, small, and medium-sized businesses in Indonesia looking to expand their operations. By following the above steps and meeting the requirements, you can apply for KUR at BRI and enjoy the benefits of subsidized interest rates and flexible repayment terms. Good luck with your business ventures!

Cara Pengajuan KUR di BRI