Kredit Usaha Rakyat (KUR)
BNI can provide financing to your business that is feasible but does not yet have collateral according to the Bank's requirements.
Find the solution with Kredit Usaha Rakyat which can be provided to :
- Prospective debtors of Micro, Small and Medium Enterprises.
- Prospective Indonesian workers who will work overseas.
- Prospective interns abroad.
- Family members of employees who have a steady income or work as Indonesian Migrant Workers (TKI).
- Indonesian workers who complete their contract from working abroad.
- Workers affected by employment termination.
- Micro, small and medium enterprises in the border region with other countries.
- Business groups such as joint business groups (KUBE), joint farmer and fishermen groups (Gapoktan) and other business groups.
- Retired Pegawai Negeri Sipil (PNS), Retired Tentara Nasional Indonesia (TNI), and Retired Police of Republic Indonesia (POLRI)
- Not an Active Aparatur Sipil Negara (ASN), TNI, dan POLRI
Kredit Usaha Rakyat year 2022 prioritize several production sector such as :
- Agriculture, Hunting, and Forestry Sector
- Maritime and Fishing Sector
- General Manufacturing Sector
- Construction Sector
- People's Salt Mining Sector (Pertambangan Garam Rakyat)
- Tourism Sector
- Production Sector, and/or
- The Others General Production Sector
Privileges :
- Simpler and faster credit process with affordable interest rate
- Interest rate 6% eff p.a
- Can be used to increase business capital and investment credit.
- Repayment period of up to 5 (five) years.
- BNI's network is spread throughout Indonesia.
SUPER MICRO KUR
- Maximum : up to Rp. 10 juta
- Loan Term : up to 3 year (working capital credit), up to 5 tahun (Investment Product).
- Administration requirements : e-KTP, Family Card, Business License from Village Office/Sub-Regency Office.
- Collateral : not required
MICRO KUR
- Maximum : > Rp 10,000,000 - Rp 50,000,000.-.
- Loan term of up to 3 years (working capital credit), up to 5 years (investment credit).
- Administration requirements : e-KTP (KTP), NPWP (for KUR > Rp. 50 million), Family Card, Business License from Village Office/Sub-Regency Office.
- Collateral : not required.
- Interest rate : 6% eff p.a.
SMALL KUR
- Maximum : > Rp 100,000,000.- to Rp 500,000,000.-.
- Loan term : up to 4 years (working capital credit), up to 5 years (investment credit).
- Administration requirements : e-KTP (KTP), NPWP, Family Card, Business Certificate from Village Office/Sub-Regency Office.
- Collateral : adjusted to BNI’s terms.
- Interest Rate : 6% eff p.a.
KUR for Indonesian Workers Placement
- Maximum : up to Rp 100,00,000.-.
- Loan term : adjusted to the maximum employment contract period of 3 years.
- Administration requirements : e-KTP (KTP), Family Card, Business License.
- Collateral : not required.
- Placement country destination : Singapore, Malaysia, Hong Kong, Taiwan, South Korea, Japan.
- Interest Rate : 6% eff p.a.
General Requirements for Micro KUR, Small KUR, KUR TKI and Special KUR * :
- Not receiving business/productive credit facilities from other banks and or not currently receiving Credit Programs from the Government (except KUR at BNI).
- Can be receiving KUR credit at BNI and/or consumer credit (KPR, vehicle leasing, credit cards and warehouse receipts) with current collectability.
- Experienced in the business field for at least 6 (six) months.
- Aged minimum 21 years or married.
- Not included in Bank Indonesia black list and not listed as bad/non-performing debtor.
For more information on our products, please contact BNI Call 1500046 or access eform.bni.co.id.
* Other data/requirements are according to the needs of credit process.