KUR Kecil : SMBC Indonesia

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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. Product loan limit for Micro KUR products starting from > Rp. 100 million up to Rp. 500 million with maximum loan term up to 48 months for working capital needs and 60 months for investment needs.

KUR Kecil product credit facility can be used for working capital credit purposes to meet the working capital needs of MSME entrepreneurs, or it can also be used for investment as business development. In addition, through the Daya Program, all debtors are given the opportunity to receive training aimed at assisting debtors in managing and/or improving their business capabilities.

Summary of Product Information

Requirements & Procedures

Do not have KUR loan
Do not have a business capital loan, (working capital / investment) in a bank or other financial institution except for loans in the form of credit cards, Home Ownership Credit (KPR), and Motor Vehicle Loans (KKB)
Filling out the credit application form and opening an account
Prospective debtors must meet the main requirements to obtain facilities, including, but not limited to:
- The debtor's business is still running and has been running for a minimum of six (6) months
- The debtor's business is not engaged in an illegal business or types of business that are prohibited.
- Minimum age 21 years or 18 years if married
- Indonesian citizen
- Have a good loan history (for those who have/have loans from other creditors).
Documents that must be met are:*

No	Type of documents	Individual
A	Requirement documents
1	Application for Credit & Account opening	√
2	Identity documents	√
	a. E-KTP ID card (along with spouse's E-KTP ID card)
	b. Family Card/Marriage Certificate (if married)
	c. Divorce Certificate or Death Certificate/Deed (if widow/widower)
	d. NPWP
	e. Business license/certificate (NIB)
3	For ceilings > 100 million to 500 million, you must attach an additional guarantee in the form of a guarantee certificates	√
	a. Land & Building (SHGB/SHM/SHMARS)
	b. Motorized Vehicles (BPKB)
B	Credit Bonding Documents
1	Credit Agreements	√
2	Collateral bonding documents	√

Notes :

Every application that meets the requirements above will be processed according to the provisions in force at SMBC Indonesia.
The debtor is obliged to provide data and/or information that is required and required and guarantees the truth of the data and/or information provided is in accordance with what was notified and submitted, and indemnifies SMBC Indonesia from any losses, demands or lawsuits that may arise in the future on the data and / or information provided by the debtor.
If a more complete explanation is needed regarding credit product information and/or if there are complaints/complaints, please contact the nearest SMBC Indonesia branch officer.

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 ”