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Produk Benefits Kredit Usaha Mikro

Requirements Calon Debitur

Requirements for Prospective Debtors

KUR Mikro Bank BRI

  1. Individuals (persons) with productive and viable businesses
  2. An active bussiness in the last 6 months
  3. No other ongoing loan except for consumer loans such as Home Ownership Loan (KPR), Vehicle Loan (KKB), and Credit Cards
  4. Administrative requirements: ID Card, Family Card (KK), and business license

Retail KUR Bank BRI

  1. A productive and viable business
  2. No other ongoing loan except for consumer loans such as Home Ownership Loan (KPR), Vehicle Loan (KKB), and Credit Cards
  3. An active business in the last 6 months
  4. Having a Small and Micro Enterprises License (IUMK) or other similar business licenses

KUR TKI Bank BRI

  1. For Indonesian worker candidates who will work overseas.
  2. Administrative requirements:
    • - ID Card and Family Card (KK)
    • - Employment contract with service users
    • - Migrant Worker Placement Agreement
    • - Passport
    • - Visa
    • - Other requirements

Kredit Requirements

Loan Requirements

KUR Mikro Bank BRI

  1. Maximum loan of Rp 50 million perdebtor
  2. Loan types:
    • - Working Capital Loan (KMK) with a maximum term of 3 (three) years
    • - Investment Loan (KI) with a maximum term of 5 (five) years
  3. Effective interest rate of 6% per year
  4. No provision fee and administration fee

KUR Retail Bank BR

  1. Loan of Rp 50 – Rp 500 million
  2. Loan types:
    • - Working Capital Loan (KMK) with a maximum term of 3 (three) years
    • - Investment Credit (KI) with a maximum term of 5 (five) years
  3. Effective interest rate of 6% per year
  4. Collateral per the bank’s regulation

KUR TKI Bank BRI

  1. Maximum loan of Rp 25 million or based on the Cost Structure set by the government
  2. Effective interest rate of 6% per year or equivalent to flat interest rate of 0.41% per month
  3. No provision fee and administration fee
  4. Maximum loan term of 3 (three) years or based on the employment contract
  5. Placement destinations: Singapore, Hong Kong, Taiwan, Brunei, Japan, South Korea, and Malaysia