Complete Guide to Applying for KUR BRI 2025 and Its Requirements

Kapanlagi.com - Good news for micro, small, and medium enterprises (UMKM) in Indonesia! The People's Business Credit (KUR) BRI is back in 2025 as the right financing solution to develop your business. Supported by the government with very friendly interest rates, KUR BRI has become the main choice for obtaining the business capital you need.

Bank Rakyat Indonesia (BRI), known as the largest distributor of KUR, has prepared a more accessible and flexible application mechanism. You can apply for KUR online or directly at the nearest branch office. This is a golden opportunity for you who want to grow your business.

According to the Coordinating Minister for Economic Affairs, Airlangga Hartarto, the distribution of KUR in 2025 is targeted to increase significantly to reach Rp300 trillion. For those who want to take advantage of this program, it is important to understand the application steps and meet the administrative requirements set. Here we present a complete guide on how to apply for KUR BRI 2025 along with the requirements you need to fulfill.

1. What is KUR BRI and Its Benefits for MSMEs?

Kredit Usaha Rakyat (KUR) is a subsidized financing program initiated by the government to encourage the growth of MSMEs in the country. One of the main players in distributing KUR is Bank Rakyat Indonesia (BRI), which offers a super low interest rate of only 6% per year, making it an ideal choice for entrepreneurs in need of capital injection.

There are three types of KUR offered, namely KUR Mikro with a ceiling of up to Rp50 million, KUR Kecil up to Rp500 million, and KUR TKI to support the departure of Indonesian workers with a maximum ceiling of Rp25 million.

With competitive interest rates and flexible tenors, KUR BRI is ready to help MSME players develop their businesses. The application process is also very easy; you can do it online at kur.bri.co.id or by visiting the nearest branch office directly.

With a distribution target reaching Rp300 trillion by 2025, this program is expected to reach more new debtors and improve the quality of MSMEs in Indonesia.

2. Requirements for Applying for KUR BRI 2025 that Must Be Met

To apply for KUR BRI 2025, you must meet a number of administrative requirements and general criteria. These requirements are designed to ensure that prospective debtors have a productive business that is worthy of financing.

• Personal Documents: You need to prepare an electronic ID card (e-KTP), Family Card (KK), and marriage certificate if you are married. For loans above Rp50 million, a Tax Identification Number (NPWP) is also required.
• Business Documents: Prospective debtors must have a Business Identification Number (NIB) or a Business Certificate from the village/RT/RW. This document shows that your business has been operating for at least 6 months.
• General Criteria: Debtors must be at least 17 years old for Micro KUR or 21 years old for other types. In addition, debtors should not be receiving loans from other banks, except for consumer credit such as housing loans, vehicle loans, or credit cards.

By meeting all the above requirements, your chances of having your KUR application approved will increase significantly.

3. How to Apply for KUR BRI 2025 Online

The process of applying for KUR BRI 2025 can be done online, providing convenience for those who cannot visit the branch office. Here are the steps:

• Access the page kur.bri.co.id and select the menu “Apply for a Loan.” Log in using your email account. If you do not have an account, please register first.
• After logging in, complete your personal and business data thoroughly on the application page. Upload supporting documents such as ID card, NIB, and a photo of your business.
• Fill in the loan amount and desired tenor, then click “Calculate Installments” to see the monthly installment simulation. Once you are sure, click “Apply for a Loan.”

This online application will be verified by BRI, and the loan status can be checked through the official website.

4. Direct Application Process for KUR BRI at the Branch Office

For those of you who are more comfortable with face-to-face submissions, visiting a BRI branch office is the best option. Here are the steps:

• Prepare complete documents, including ID card, family card, tax ID (if necessary), and business license.
• Visit the nearest BRI branch office, take a queue number, and wait until your turn is called.
• Inform the officer that you want to apply for the KUR BRI 2025. Follow the procedures explained by the officer until the final stage.

The BRI officer will assist you in completing the administrative process and provide information regarding field surveys if necessary.

5. How to Check the Status of KUR BRI 2025 Application

Once the application is complete, you can easily monitor the loan status. Here’s how:

• Visit the page https://pinjaman.bri.co.id/pengajuan/form/tracking.
• Enter the reference number provided during the application. Click the “Check Status” button to see the progress of your application.
• Information regarding the application status will be displayed on the screen, including whether the loan is approved or still in process.

With this facility, you can monitor the progress of your application without having to contact the bank directly.

6. What types of KUR are available at BRI in 2025?

BRI offers Micro KUR (with a ceiling of up to Rp50 million), Small KUR (from Rp50 million to Rp500 million), and TKI KUR (with a ceiling of up to Rp25 million).

7. How to apply for KUR BRI online?

You can access the website kur.bri.co.id, log in or register an account, fill in personal and business data, upload supporting documents, and then apply for a loan online.

8. What are the main requirements for applying for KUR BRI?

Applicants must have a productive business that has been operating for at least 6 months, not currently receiving other loans, and meet document requirements such as ID card and NIB.

(kpl/rmt)