People's Business Credit (KUR) is a working capital / investment loan for micro and small business actors with a maximum limit of IDR 500 million


  • Easy and Fast Credit Process
  • Interest rate 6% equivalent 0.26% / Month Flatt
  • Free of bank fees (Provision, Administration and Insurance)
  • Super Micro Credit Ceiling maximum of Rp. 10 million
  • Micro Credit Ceiling Rp.10 million to Rp.50 million
  • Small Credit Ceiling IDR 50 million to IDR 500 million
  • Period of time
    • Working Capital: Super Micro and Micro 3 years and Small 4 years
    • Investment : Super Micro, Micro and Small 5 years

Terms and Conditions

Types of DocumentsIndividualsEnterprises
Original Application Form YesYes
Husband and wife Id Card CopyYes-
Pas Photo Husband WifeYes-
KK CopyYes-
Business / SIUP / Permit Practice / Profession Copy YesYes
Incorporation and / or Deed of Amendment Certificate -Yes
Manager Id Copy-Yes
NPWP CopyMandatory for ceilings above IDR 50 million
Financial statements-Yes