Kredit Usaha Rakyat (KUR) : SMBC Indonesia

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People's Business Credit

(Kredit Usaha Rakyat/KUR)

Supporting government programs to serve financing for the wider community, we also open KUR financing services (Government Program of the Republic of Indonesia called Kredit Usaha Rakyat/ KUR).

This product is a working capital or investment financing for individual/individual debtors, business entities and/or business groups that are productive and feasible but do not have sufficient collateral.

People's Business Credit (KUR) – Micro

KUR Micro are unsecured products provided to traders or entrepreneurs engaged in the MSME business sector for working capital and investment needs. There is a credit limit for Micro KUR products starting from Rp. 10 million to Rp. 100 million with a maximum payment term of up to 36 months for working capital needs and 60 months for investment needs.

People's Business Credit (KUR) – Small

KUR Kecil are products with guarantees that are given to traders or entrepreneurs engaged in the MSME business sector for working capital needs and investment needs. There is a credit limit for Micro KUR products > Rp. 100 million to Rp. 500 million with a maximum payment term of 48 months for working capital needs and 60 months for investment needs.

KUR Micro

KUR Micro product is unsecured loan product which provided for traders or entrepreneurs involved in MSME (UMKM) business sector.

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KUR Kecil

KUR Small/KUR Kecil is secured loan product which provided for traders or entrepreneurs involved in MSME (UMKM) business sector.

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Significant Impact

Our empowerment program is an integrated element to our business model. We will always try to create opportunities for all SMBC Indonesia customers to grow and make a more meaningful life through our products and activities.

Erna Zurnimawati

"While being a customer of Bank SMBC Indonesia, I have been guided by the Daya team, starting from exhibitions, coaching, and many online and offline training sessions. I have also received orders from SMBC Indonesia itself"

Siti Rochanah

"I am able to manage my business finances and its online store as taught by Daya, and am often invited to participate in various exhibitions. The pinnacle of my achievement was being introduced to President Joko Widodo at an exhibition held by SMBC Indonesia, and my product, Iwaknyuzz, received an appreciation from him"

Adam Abdullah

"Through the Daya program, we also received capital support that helped us increase production capacity even further, through an easy and non-burdensome capital scheme. This business easily obtains adequate and measurable capital according to the capacity and ability of the business. We are grateful that WGB is now a market leader in the plus-size men's retail clothing business"

Agnes Sukenty Niken

“After receiving personalized coaching for 6 months from Daya SMBC Indonesia, starting from creating a business plan, ensuring the supply chain of raw materials, and scaling up the business itself. It turns out that running this business involves so many things that I had not previously thought. As of now, Ing Pawon's products are available in various modern retail outlets from Papua to Sumatra ”