This Is The Difference Between Micro KUR, Retail KUR And Special KUR

Illustration of KUR distribution (Photo: Doc. Antara)

YOGYAKARTA People's Business Credit (KUR) is the financing of working capital to individual debtors, business entities, or productive and appropriate business groups, but not yet having additional collateral or additional collateral is not enough. KUR programs are divided into three types, namely Micro KUR, Retail KUR, and Special KUR. KUR programs are channeled through banking institutions to business players and MSMEs. The following are the differences in Micro KUR, Retail KUR and Special KUR that you need to know.

It has been mentioned above that people's business credit is divided into three types, namely Micro KUR, Retail KUR and Special KUR. The following is an explanation of the three types of KUR.

Micro people's business credit is a KUR scheme with a ceiling above RP. 10 million to Rp. 50 million per KUR recipient.

Untuk mendapatkan KUR Mikro, penerima kredit (debtor) tidak diwajibkan agunan tambahan dan tanpa perikatan.

For recipients of the Micro KUR in the production sector, the Micro KUR ceiling can be re-subpleted without the maximum accumulated limit of the KUR ceiling. This means that micro-enterprises in the production sector can apply for a Micro KUR again as long as they have paid off the previous loan.

Bunga atau marjin KUR Mikro ditetapkan 6 persen efektif per tahun. Akan tetapi mulai tahun ini dibuat berjenjang. Bunga 6 persen untuk pertama kali mengajukan, 7 persen kedua kali, 8 persen ketiga kali, dan 9 persen keempat kali.

KUR Retail is a working capital loan or investment to debtors who have productive and decent businesses with a ceiling greater than the Micro KUR, which is IDR 25 million to IDR 500 million per debtor.

The Retail KUR segment is a middle class that has the potential to pay installments and flat or postulated interest.

Selain plafonnya yang lebih tinggi, KUR Retail juga menawarkan jangka waktu pinjaman yang lebih lama, yakni maksimal empat tahun bagi kredit pembiayaan modal kerja.

Meanwhile, the period for investment credit is a maximum of 5 years with an interest rate of 12 percent effective per year. There is no provision and administration fee. Agunan is adjusted to the provisions of the loan-giving banking institution.

Special People's Business Credit (KUR) is a capital loan with a ceiling of up to IDR 500 million per KUR (debtor) recipient.

Special KUR is given to debtors who are members of a group that has business partners.

This scheme is given to groups that are jointly managed in the form of clusters by using business partners for people's plantation commodities, people's livestock, people's fisheries, the Micro, Small and Medium Enterprises (MSMEs) industry, or other productive sector commodities that can be developed into special KURs.

The interest rate or Special KUR margin is 6 percent effective per year or adjusted to the equivalent interest rate/flat/anuity margin.

This is information about differences in Micro KUR, Retail KUR, and Special KUR. Get news updates of other selected options only on VOI.ID.