KUR Disbursement Scheme with the Highest Realization in July 2025

Economics & Macro

Premium

Erlina Fury Santika 04/07/2025 19:58 WIB

URL has been copied

Memuat...

According to the Ministry of Finance's SIKP (Sistem Informasi Kredit Program), there are four disbursement schemes for KUR (Kredit Usaha Rakyat) loan agreements in July 2025. This details the scheme

National KUR Disbursement Agreement Value by Scheme (January 1-July 4, 2025)*

A Small Font
A Medium Font
A Bigger Font

You are accessing content Single Data Premium.
To continue, please subscribe or buy individually.

Professional

Enjoy premium access with a more affordable price.

Start from

~~Rp300.000~~ 150.000/month

Access more premium content and exclusive features for customers.

Start from

50.000/month

Hanya Rp833 per artikel

More details »

Buy Retail

Read the article immediately “KUR Disbursement Scheme with the Highest Realization in July 2025”.

Rp10.000

We accept the following payments:

Some payment methods are still in the process of being activated.

National KUR Disbursement Agreement Value by Scheme (January 1-July 4, 2025)*

Download

Source

A Small Font
A Medium Font
A Bigger Font

The Ministry of Finance's Credit Program Information System (SIKP) reports that the realization of People's Business Credit (KUR) loan disbursements reached Rp138.63 trillion from the beginning of the year until July 4, 2025. The number of recipients or borrowers reached 3.17 million people.

This loan amount was disbursed through four schemes. The scheme with the largest realization was Micro KUR, amounting to Rp89.74 trillion with 2.12 million borrowers. This disbursement is equivalent to 45% of the total ceiling of Rp197.88 trillion.

Next, the Small KUR scheme amounted to Rp44.42 trillion with 180,750 borrowers. This value already covers 51% of the ceiling of Rp87.5 trillion.

Then there is the Ultra Micro (UMi) scheme, amounting to Rp4.42 trillion with 868,300 borrowers. Unlike other schemes, the UMi realization proportion has exceeded 295% of the total ceiling, which is only Rp1.5 trillion.

Finally, the TKI KUR scheme only reached Rp37.84 billion with 1,286 borrowers. The ceiling filled is only 19% of the total of Rp201 billion.

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.

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

Micro KUR

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

Small KUR

Disbursed by banks
Loan ceiling between Rp50 million-Rp500 million per borrower
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 entrepreneurs
Maximum loan ceiling of Rp10 million per borrower
Loan tenor less than 1 year
Loan interest rate between 2%-4%

TKI/PMI KUR

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.

(Read: Disbursement of KUR Reaches Rp138 Trillion by July 2025)

Editor : Erlina Fury Santika

"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."

Related Data

Distribution of KUR Debtors, October 2025: Majority on Java Island

New Record: KUR Realization in Production Sector Hits 60% by 2025

Indonesia's Net Tax Fell 3.85% as of October 2025, Here's the Monthly Trend

Indonesia's Net Tax Decreased 4.39% YoY in September 2025

KUR Recipients Reach 3.9 Million Debtors as of October 31, 2025, with the Trade Sector being the Largest.

Indonesia's State Expenditure Reaches IDR 2,593 Trillion by October 2025

Latest Data Stories

Statistics on the Kong Hu Cu Population in Central Kalimantan, 2015-2024 Demographics 05/12/2025, 14:00 WIB

Food Prices Today, December 05 in Banten: Red Chili Up, Cayenne Pepper Down Economics & Macro 05/12/2025, 13:30 WIB

The price of fresh chicken in traditional markets in North Kalimantan Province has increased by 7.62% over the past month. Economics & Macro 05/12/2025, 13:17 WIB

Prevalence of Food Consumption Inadequacy in West Bandung Decreased by 1.23% in the Last Year Demographics 05/12/2025, 13:15 WIB

Other Services Sector PDRB in South Sulawesi Grew 4.77% (2024) PDB 05/12/2025, 13:14 WIB

Population of Male Cattle Suitable for Slaughter, Period 2013-2024 Demographics 05/12/2025, 13:05 WIB

Download

Source

KUR Disbursement Scheme with the Highest Realization in July 2025

Tags

Related Data

Distribution of KUR Debtors, October 2025: Majority on Java Island

New Record: KUR Realization in Production Sector Hits 60% by 2025

Indonesia's Net Tax Fell 3.85% as of October 2025, Here's the Monthly Trend

Indonesia's Net Tax Decreased 4.39% YoY in September 2025

KUR Recipients Reach 3.9 Million Debtors as of October 31, 2025, with the Trade Sector being the Largest.

Indonesia's State Expenditure Reaches IDR 2,593 Trillion by October 2025

Latest Data Stories

Popular Data

KUR Disbursement Scheme with the Highest Realization in July 2025

Tags

Related Data

Distribution of KUR Debtors, October 2025: Majority on Java Island

New Record: KUR Realization in Production Sector Hits 60% by 2025

Indonesia's Net Tax Fell 3.85% as of October 2025, Here's the Monthly Trend

Indonesia's Net Tax Decreased 4.39% YoY in September 2025

KUR Recipients Reach 3.9 Million Debtors as of October 31, 2025, with the Trade Sector being the Largest.

Indonesia's State Expenditure Reaches IDR 2,593 Trillion by October 2025

Latest Data Stories

Trending Topics

Popular Data