KUR BRI 2025: Loan Details & Installments (250 Million)
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BRI’s People’s Business Credit (KUR) Programme 2025: A Guide for Indonesian MSMEs
updated September 28, 2025, 06:43:39
what is the KUR BRI Program?
The People’s Business Credit (KUR) program, or Kredit Usaha Rakyat, is a government-backed initiative implemented by banks like Bank Rakyat Indonesia (BRI) to provide affordable financing to Indonesian Micro, Small, and Medium Enterprises (MSMEs). The program aims to empower entrepreneurs and stimulate economic growth by easing access to capital. BRI is a key distributor of KUR loans,reaching a vast network of MSMEs across the Indonesian archipelago.
According to data from BRI’s official website, the KUR program is designed to support various business sectors, including agriculture, fisheries, manufacturing, and services. The program’s success is measured by the number of MSMEs receiving loans and the overall impact on job creation and economic activity.
KUR BRI 2025: Loan Amounts and Interest Rates
In September 2025, BRI is offering KUR loans up to Rp 250 million (approximately $16,000 USD as of September 28, 2025). This represents a significant increase from previous loan limits, allowing MSMEs to access larger amounts of capital for expansion and investment.The interest rate is a key attraction, currently set at a competitive rate of 6% per annum, substantially lower then standard commercial loan rates.
The Indonesian government subsidizes the interest rate, making KUR loans particularly attractive for businesses with limited access to traditional financing. The specific interest rate can vary slightly depending on the loan amount and the borrower’s creditworthiness, as outlined in Otoritas Jasa Keuangan (OJK) regulations, the Indonesian Financial Services Authority.
| Loan Amount (IDR) | Estimated Monthly Installment (September 2025) | Interest Rate (per annum) | Tenor (Months) |
|---|---|---|---|
| rp 10,000,000 | Rp 198,000 | 6% | 60 |
| Rp 25,000,000 | Rp 495,000 | 6% | 60 |
| Rp 50,000,000 | Rp 990,000 | 6% | 60 |
| Rp 100,000,000 | Rp 1,980,000 | 6% | 60 |
| Rp 250,000,000 | Rp 4,950,000 | 6% | 60 |
Note: installment amounts are estimates based on a 6