Jakarta – Bank Rakyat Indonesia (BRI) is solidifying its position as Indonesia’s leading provider of People’s Business Credit (KUR) heading into 2026. The government-subsidized financing scheme remains a vital tool for micro, minor, and medium-sized enterprises (MSMEs) seeking capital and sustaining operations, particularly as market demand increases leading up to Ramadan.
Throughout 2025, BRI disbursed Rp178.08 trillion (approximately $11.2 billion USD) in KUR loans to 3.8 million borrowers. Looking further back, BRI’s cumulative KUR disbursements from 2015 through December 2025 reached Rp1.435 trillion (approximately $85.3 billion USD), benefiting a total of 46.4 million businesses. This performance underscores BRI’s strategic role in expanding access to financing for the micro, small, and medium enterprise sector across various regions.
Akhmad Purwakajaya, Director of Micro at BRI, explained that KUR financing is primarily directed towards productive sectors with a direct impact on job creation and strengthening national food security. He emphasized that the sustainability of MSMEs, as the foundation of the national economy, is a primary focus in the distribution of these loans.
Financing continues to be concentrated in the production sector, encompassing agriculture, fisheries, food processing, and other productive services. Agriculture currently represents the largest share of funding, receiving Rp80.09 trillion (approximately $4.99 billion USD), or around 45% of BRI’s total KUR disbursements.
BRI’s KUR Options for 2026
According to the official BRI website, two types of KUR are available to meet different business needs and scales: KUR Micro and KUR Small. The main differences between the two lie in the loan ceiling and collateral requirements.
BRI’s KUR Micro
KUR Micro is designed for productive and eligible businesses needing additional working capital or investment with a ceiling of up to Rp50 million (approximately $3,125 USD). This product is suitable for micro-scale businesses that do not yet have additional collateral.
BRI’s KUR Small
KUR Small targets businesses with larger financing needs, ranging from Rp50 million to Rp500 million (approximately $3,125 to $31,250 USD). Borrowers in this category are required to provide collateral as stipulated by the bank.
KUR BRI 2026 Installment Table
The following table shows sample monthly installment amounts for KUR BRI in January–February 2026, for loan ceilings up to Rp100 million (approximately $6,250 USD).
|
Plafon (Rp)
|
Tenor Pinjaman | |||||
| 12 Bulan | 18 Bulan | 24 Bulan | 36 Bulan | 48 Bulan | 60 Bulan | |
| 1.000.000 | 86.527 | 58.685 | 44.773 | 30.877 | 23.946 | 19.801 |
| 5.000.000 | 432.634 | 293.425 | 223.863 | 154.385 | 119.731 | 99.006 |
| 10.000.000 | 865.267 | 586.85 | 447.726 | 308.771 | 239.462 | 198.012 |
| 15.000.000 | 1.297.901 | 880.275 | 671.589 | 463.156 | 359.194 | 297.018 |
| 20.000.000 | 1.730.535 | 1.173.700 | 895.452 | 617.542 | 478.925 | 396.024 |
| 25.000.000 | 2.163.169 | 1.467.125 | 1.119.314 | 771.927 | 598.656 | 495.03 |
| 30.000.000 | 2.595.802 | 1.760.550 | 1.343.177 | 926.313 | 718.387 | 594.036 |
| 35.000.000 | 3.028.436 | 2.053.975 | 1.567.040 | 1.080.698 | 838.119 | 693.042 |
| 40.000.000 | 3.461.070 | 2.347.399 | 1.790.903 | 1.235.084 | 957.85 | 792.048 |
| 45.000.000 | 3.893.704 | 2.640.824 | 2.014.766 | 1.389.469 | 1.077.581 | 891.054 |
| 50.000.000 | 4.326.337 | 2.934.249 | 2.238.629 | 1.543.855 | 1.197.312 | 990.06 |
| 55.000.000 | 4.758.971 | 3.227.674 | 2.462.492 | 1.698.240 | 1.317.043 | 1.089.066 |
| 60.000.000 | 5.191.605 | 3.521.099 | 2.686.355 | 1.852.626 | 1.436.775 | 1.188.072 |
| 65.000.000 | 5.624.238 | 3.814.524 | 2.910.218 | 2.007.011 | 1.556.506 | 1.287.078 |
| 70.000.000 | 6.056.872 | 4.107.949 | 3.134.081 | 2.161.397 | 1.676.237 | 1.386.084 |
| 75.000.000 | 6.489.506 | 4.401.374 | 3.357.943 | 2.315.782 | 1.795.968 | 1.485.090 |
| 80.000.000 | 6.992.140 | 4.694.799 | 3.581.806 | 2.470.168 | 1.915.700 | 1.584.096 |
| 85.000.000 | 7.354.773 | 4.988.224 | 3.805.669 | 2.624.553 | 2.035.431 | 1.683.102 |
| 90.000.000 | 7.787.407 | 5.281.649 | 4.029.532 | 2.778.939 | 2.155.162 | 1.782.108 |
| 95.000.000 | 8.220.041 | 5.575.074 | 4.253.395 | 2.933.324 | 2.274.893 | 1.881.114 |
| 100.000.000 | 8.652.675 | 5.868.499 | 4.477.258 | 3.087.710 | 2.394.624 | 1.980.120 |
What are the requirements and how to apply for KUR BRI 2025? Here are the requirements and how to apply.
Applicant Requirements
- Must be an Indonesian citizen (WNI), at least 21 years vintage or married.
- The business has been actively running for at least 6 months.
- The business is productive and feasible to finance.
- Not currently receiving productive credit from another bank (except for consumer credit such as mortgages, auto loans, or credit cards).
- Provide a KTP (electronic identity card), KK (family card), and business license.
Additional Provisions:
- Maximum loan of Rp50 million per debtor
- Loan types:
– Working Capital Loan (KMK) with a maximum tenor of 3 years
– Investment Loan (KI) with a maximum tenor of 5 years - Interest rate of 6% effective per year
- No administrative or provision fees
KUR Small Bank BRI
- Have a productive and feasible business
- Not currently receiving productive credit from another bank
- The business has been actively running for at least 6 months
- Have an IUMK or equivalent business license
Additional Provisions:
- Loan ceiling of Rp50 million to Rp500 million
- Loan types:
- Working Capital Loan (KMK) with a maximum tenor of 4 years
- Investment Loan (KI) with a maximum tenor of 5 years
- Interest rate of 6% effective per year
- Must provide collateral in accordance with bank provisions
How to Apply for KUR BRI 2026
Applicants can apply for KUR online or directly at the nearest BRI branch office.
How to Apply for KUR BRI Online
- Access the page https://kur.bri.co.id and log in using a registered account
- Click “Apply for a KUR Loan”, read the terms and conditions, then select the option
- BRI customer and approve the application
- Fill in personal and business data completely
- Upload supporting documents such as KTP, business license, passport-sized photo,
- and business photos
- Click “Calculate Installment” to see a simulation of the installment
- Click “Apply for Loan” and wait for approval information
- Waiting for a field survey schedule by BRI officers
How to Apply for KUR BRI Offline
- Come to the nearest BRI branch office bringing the required documents
- If you do not have a BRI account, first open an account
- Convey the intention to apply for KUR to the officer
- Follow the interview and data verification process
As Ramadan 2026 approaches, KUR BRI can be a financing solution for businesses looking to increase production capacity, add stock, or expand distribution networks. With low interest rates and a relatively easy application process, this program is an important opportunity for MSMEs to maximize potential revenue increases during the holy month.
