This is the Type of KUR with the Most Debtors in 2024

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Adi Ahdiat 24/12/2024 17:10 WIB

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As of December 24, 2024, 6.77 million borrowers nationwide have received People's Business Credit (KUR) disbursements. The majority received it through the KUR Mikro scheme.

Number of National KUR Recipients by Scheme (2024)*

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Number of National KUR Recipients by Scheme (2024)*

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According to data from the Ministry of Finance's Credit Program Information System (SIKP), from the beginning of the year until December 24, 2024, 6.77 million debtors nationwide have received People's Business Credit (KUR).

The highest number of debtors received disbursement through the KUR Mikro scheme, with 4.45 million people, followed by Ultra Micro Financing (UMi) with 1.98 million people.

Then, debtors under the KUR Kecil scheme reached 342,000 people, and KUR for Indonesian Workers/Migrant Workers (TKI/PMI) reached 1,700 people.

KUR is one of the government's programs to improve access to financing for micro, small, and medium enterprises (MSMEs), channeled through financial institutions with a guarantee scheme.

Here is a general overview of the types of KUR based on information from the Ministry of Finance and Bank Rakyat Indonesia (BRI) websites as of December 2024:

KUR Mikro

* Disbursed by banks
* Maximum loan ceiling of Rp50 million per debtor
* Loan tenor between 3-5 years
* Effective interest rate of 6% per year

KUR Kecil

* Disbursed by banks
* Loan ceiling between Rp50 million - Rp500 million per debtor
* Loan tenor between 4-5 years
* Effective interest rate of 6% per year
* Collateral according to bank regulations

UMi Financing

* Disbursed by non-bank financial institutions (LKBB), one of which is PT Pegadaian (Persero)
* Intended for ultra-micro business actors
* Maximum loan ceiling of Rp10 million per debtor
* Loan tenor less than 1 year
* Loan interest rate between 2-4%

KUR TKI/PMI

* Disbursed by banks
* Intended for prospective Indonesian Migrant Workers (TKI/PMI) who will work/intern abroad
* Maximum loan ceiling of Rp100 million or adjusted to the relevant ministry's policy
* Maximum loan tenor of 3 years or adjusted to the work contract period
* Loan interest rate of 6% per year

Editor : Adi Ahdiat

"Disclosure: This is an AI-generated translation of the original article. We strive for accuracy, but please note that automated translations may contain errors or slight inconsistencies."

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