Kredit Usaha Rakyat (KUR)

BNI is able to provide loans towards your feasible but not yet bankable business.  The solution is by providing Small Loans, which can be provided to potential Micro, Small, Mid-Sized and Cooperative (UMKMK) Business debtors, business groups, and Linkage Institutions. 



  • Simple/speedy credit process.

  • It can be utilized to add towards the business capital and investment credit.

  • BNI networks available throughout Indonesia.



  • Not currently receiving credit from other banks and/or the government.

  • At least 1 (one) year business experience.

  • Complete permits/business legality that is still valid according to its line of business. For credit requests up to Rp. 150.000.000, only a business certificate issued by the local village is required.


For further information about our products, please contact BNI Call 1500046.


* Other data/requirements depend on the credit process needs.