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About BTN
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KUR (Kredit Usaha Rakyat)

The First Step to a Successful Business

The best solution for easy financing of working capital and investment

Kredit Usaha Rakyat

Increase the productivity and capability of MSMEs in the productive and feasible business sector but do not have additional collateral or insufficient additional collateral

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Maximum Financing

Financing up to IDR 500,000,000

kalender

5-Year Term

Loans granted have a maximum term of 5 years

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Low Interest Rate

Low interest rate from 6% effective per annum

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Easy Requirements

Applicable requirements can be fulfilled easily

Business Needs

Capital and investment needs are provided to develop the business

Routine Report

Fast Process

The application process of Kredit Usaha Rakyat is fulfilled directly

icon-peningkatan

Maximum Financing

Financing up to IDR 500,000,000

kalender

5-Year Term

Loans granted have a maximum term of 5 years

icon-percentage

Low Interest Rate

Low interest rate from 6% effective per annum

icon note bank

Easy Requirements

Applicable requirements can be fulfilled easily

Business Needs

Capital and investment needs are provided to develop the business

Routine Report

Fast Process

The application process of Kredit Usaha Rakyat is fulfilled directly

Interest Rate

Interest Rate

Information Interest Rate
Provision Fee 0%
Interest Rate from 6% effective per annum


Using a KPR from BTN will definitely be more profitable

Variable rates up to

5,00%

Terms & Conditions

  • Prospective debtors have a National Identity Number (NIK) proven by an identity card in the form of an Electronic Identity Card (e-KTP)

  • Has been conducting business activities for at least 6 months

  • At least 21 years old or married

  • Have never enjoyed productive credit or credit programs outside of KUR at another bank or bank

  • Can currently enjoy credit in the form of home ownership credit, credit/leasing of two-wheeled vehicles for productive purposes, Credit with Retirement Decree Collateral, Credit Card, Warehouse Receipt Credit and/or Consumer Credit for household needs, and KUR at Bank BTN with seamless collectibility

  • NPWP (for applications > IDR 50,000,000)

  • Required to check prospective debtors through the Financial Information Service System

  • Not included in the blacklist of Bank Indonesia and not listed as bad debtors

How to Register

  • 1

    Visit the Bank BTN Branch Office

    Prospective debtors can apply through the Kredit Usaha Rakyat mobile application to the nearest Bank BTN Branch Office

  • 2

    Prepare Documents

    Customers can bring the necessary documents and submit the required documents

  • 3

    Verify Documents

    Bank BTN will verify the documents that have been provided in accordance with the regulations

  • 4

    Successful Credit Activation

    After passing the verification, the applicant will make a credit agreement and credit disbursement can be conducted

Find Answers to Your Questions

What is Kredit Usaha Rakyat BTN?

Kredit Usaha Rakyat BTN is a working capital credit and/or investment to individual debtors, business entities and/or business groups that are productive and feasible but do not have additional collateral or insufficient additional collateral.

Who can get Kredit Usaha Rakyat BTN?

All prospective debtors who have individual business and business entities incorporated or not incorporated, as well as groups of Micro, Small, and Medium Enterprises that meet the KUR criteria.

What is the maximum amount that can be applied for Kredit Usaha Rakyat BTN?

The maximum credit that can be applied for is IDR 500,000,000"

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