JAKARTA PT Bank Rakyat Indonesia (Persero) Tbk (BBRI) has started the distribution of People's Business Credit (KUR) 2023 since Monday 6 March.
Just so you know, BRI received an allocation of KUR 2023 distribution of IDR 270 trillion. For the initial stage, BRI Micro Business Director Supari said, in March 2023 KUR has allocated IDR 12 trillion.
In accordance with the provisions of the government, there are differences in the provisions in the distribution of KUR 2023 compared to KUR in previous years.
Supari said, for the terms and conditions for the distribution of KUR 2023, BRI refers to the Regulation of the Coordinating Minister for Economic Affairs (Permenko) RI Number 1 of 2023 concerning Guidelines for Implementing KUR.
"Especially regarding the BRI KUR interest rate this year, there is a slight difference with the KUR in previous years," Supari told the media, Thursday, March 9.
He explained that KUR borrowers who are borrowing for the first time will be subject to 6 percent effective interest per year for loans above Rp 10 million (Micro KUR and Small KUR).
However, if you have borrowed more than once, the interest rates charged to customers will be higher.
"Bunga will increase to 7 percent when taking a second KUR loan. Then it will increase by 8 percent for the third loan and so on to 9 percent," Supari added.
The requirements to get BRI 2023 KUR are as follows:
1. Super Micro KUR
General Criteria:
- Never received a KUR.
- Never received any investment credit/financing/commercial working capital, except:
a) Credit consumption for household purposes;
b) Ultra micro scheme/scale credit or the like; and/or
c) Loans to joint funding services companies based on information technology or digital-based financing companies.
Special Criteria:
- There is no minimum time limitation for business establishment. In the event that the prospective debtor whose business time is < 6 months must meet one of the following requirements:
a) Following Assistance
b) Following Entrepreneurship Training or others
c) Joined in the Business group
d) Have family members who have productive and decent businesses
Documents:
Memiliki NIB atau Surat Keterangan Usaha (KELurahan,RT/RW) dan menyebutkan jenis usaha dan lama usaha.
2. Micro KUR
- Never received any investment credit/financing/commercial working capital, except:
a) Credit consumption for household purposes;
b) Ultra micro scheme/scale credit or the like; and/or
c) Loans to joint funding services companies based on information technology or digital-based financing companies.
- Business establishment time for at least 6 months
Documents:
- Identity (e-KTP) / certificate of making e-KTP, KK, marriage certificate)
- Have a NIB or a business certificate (Kelurahan, RT/RW) or a business domicile certificate.
- For ceilings above Rp. 50 million, you must have NPWP.
3. Small KUR
General Criteria:
- Never received any investment credit/financing/commercial working capital, except:
a) Credit consumption for household purposes;
b) Ultra micro scheme/scale credit or the like; and/or
c) Loans to joint funding services companies based on information technology or digital-based financing companies.
- Business establishment time for at least 6 months
Special Criteria:
Must participate in the BPJS program
Documents:
- Identity (e-KTP) / Certificate of E-KTP Making, KK, Marriage Certificate)
- SIUP TDP NPWP THERE, IUMK OR OTHER Business Certificate
- Mandatory To Have NPWP
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