JAKARTA - Bank Mandiri strengthens its commitment as a strategic partner of the government in encouraging the growth of the people's economy through the distribution of People's Business Loans (KUR). This program is the company's main instrument in opening access to productive financing for Micro, Small and Medium Enterprises (MSMEs) while creating new business opportunities and jobs in various regions.
Until April 2026, Bank Mandiri has disbursed KUR of IDR 14.54 trillion to 113,223 MSMEs throughout Indonesia, in line with the government's agenda to strengthen the productive sector as the foundation of the national economy. This realization shows an accelerating growth in mobilizing people's business activities.
SVP Micro Development & Agent Banking Bank Mandiri Bayu Trisno Arief Setiawan said the quality of KUR portfolio credit remained well maintained with a problematic credit ratio of 1 percent. This reflects the company's ability to deliver healthy business growth through careful risk management, while confirming Bank Mandiri's continued excellence in the development of the micro and SME segments.
This realization is equivalent to 35.45 percent of Bank Mandiri's KUR distribution target in 2026 of Rp. 41 trillion. This achievement is a tangible proof of the integrated synergy between the government, banking, and business actors in building a stronger and more competitive grassroots economic ecosystem.
"Our KUR distribution is presented as a tangible instrument of growth value for the community. Through targeted working capital support and the ease and convenience of Bank Mandiri's services, we want to help MSMEs increase business capacity, expand markets, and create new jobs in various productive sectors," said Bayu in an official statement, Tuesday, May 19.
He continued, the distribution of banks with a gold ribbon logo until April 2026 is still dominated by the production sector with a share of 63.07 percent or Rp9.16 trillion. Meanwhile, the agricultural sector is the largest contributor with a value of Rp4.69 trillion as part of support for national food security. Meanwhile, the production services sector reached Rp3.16 trillion and the processing industry sector amounted to Rp1.1 trillion.
Cumulatively, since the KUR program was launched by the government in 2008 until April 2026, Bank Mandiri has disbursed KUR of IDR 317.78 trillion to more than 3.7 million debtors throughout Indonesia. This low-interest financing has helped millions of business actors increase business capacity, expand markets, and strengthen business resilience.
To accelerate and maintain the quality of KUR distribution, this bank with the BMRI stock continues to strengthen its ecosystem-based financing strategy through a closed-loop approach that is connected to wholesale customers and regional flagship sectors. This strategy makes it possible to create a more efficient ecosystem of service synergies between MSMEs, business partners, distributors, and off-takers in a single integrated business value chain.
In addition to expanding access to financing, Bank Mandiri also strengthens transaction and installment payment services through Mandiri Agents which are spread across various regions and economic centers of the community. The company also encourages financial inclusion through financial and digital literacy education so that MSMEs can be more independent in managing their businesses in a modern and sustainable manner.
In the future, Bank Mandiri will continue to strengthen collaboration with the government in accelerating the distribution of KUR in 2026 through the strengthening of the financing ecosystem and synergy between Mandiri Group entities.
"With the support of a network of services and a digital ecosystem that is increasingly mature, we are optimistic that the distribution of KUR can be more targeted and provide a wider economic impact for the community. Strong growing MSMEs will be an important foundation in creating jobs, strengthening food security, and maintaining national economic growth as part of the National Economic Driving Ecosystem," concluded Bayu.
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