KUR Mikro : SMBC Indonesia

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KUR Micro

KUR Micro product is unsecured loan product which provided for traders or entrepreneurs involved in MSME (UMKM) business sector. Product loan limit for Micro KUR starting from Rp. 10 million to Rp. 100 million with maximum loan term up to 36 months for working capital needs and 60 months for investment needs.

KUR Micro can be used to meet the working capital needs of MSME entrepreneurs or for investment as a way to develop a business. In addition to financial access, through the Daya Program, customers are provided with opportunities to develop their business knowledge and skills, as well as create new business opportunities.

Summary of Product Information can be seen here

Requirements & Procedures

Do not have KUR loan
Do not have a business capital loan, (working capital / investment) in a bank or other financial institution. If the loan is in the form of a Credit Card, Home Ownership Credit (KPR), and Motor Vehicle Loan (KKB), Credit guaranteed by a Pension Decision Letter (SK), Consumption credit for household purposes is still allowed to apply for KUR
Fill out a credit application form and open an account
The debtor must fulfill the main requirements to obtain the facility, including, but not limited to:
- The debtor's business is still running and has been running for a minimum of 6 months
- Not an illegal type of business or a prohibited type of business.
- 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: *

*Type of Document ()**	Individual
Required Documents
• Application for credit application & account opening		√
• Identity Documents • KTP (along with spouse's ID card) • Family Card / Marriage Certificate (if married) • Divorce Certificate or Death Certificate / Death Certificate (if widowed)		√
• NPWP • Permit/business statement (from Kelurahan / Ministry		√ √
• Credit Binding Document • Credit Agremeent		√

Notes:

Every application that meets the requirements above will be processed based on the applicable provisions at SMBC Indonesia.
Debtors are required to provide the required data and/or information and necessary and ensure that the data and/or information provided are correct in accordance with what was notified and submitted, and free SMBC Indonesia from any losses, claims 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 ”