JAKARTA, JOURNALARTA.COM – Micro, small, and medium enterprises (MSMEs) can now apply for additional working capital at low interest through the People’s Business Credit program. The government has reopened access to this financing, and the public can use the BRI KUR 2026 online registration process in a practical way without having to queue for long at a branch office.
This move is expected to reduce small business owners’ dependence on illegal online loans that charge crippling interest. With government-subsidized interest, warung owners, market vendors, and online business operators can get safer and more manageable financing to grow their businesses.
Low-Interest BRI KUR 2026 Scheme
This financing program offers a highly competitive interest rate of 6 percent effective per year for first-time applicants. The government’s interest subsidy makes monthly installments much lighter for entrepreneurs who are just starting out or planning to expand.
BRI Micro Business Director Supari said in a statement that the distribution of this People’s Business Credit is focused on productive sectors. The main target is business owners who have not yet accessed formal financing but have good business viability.
For loan ceilings, the Micro KUR category provides limits starting from Rp10 million to Rp100 million without additional collateral. Meanwhile, loans above Rp100 million up to Rp500 million fall under the Small KUR category and require collateral in accordance with banking rules.
Document Requirements for Application
Before accessing the BRI KUR 2026 online registration process, make sure all supporting documents are ready. Complete documents are a key factor in determining how quickly the bank verifies the application.
Here are the documents you need to prepare:
- Electronic identity card (KTP) and Family Card (KK).
- Taxpayer Identification Number (NPWP) for applications above Rp50 million.
- Business Certificate (SKU) from the local village office or neighborhood administration, or a Business Identification Number (NIB).
- Supporting documents in the form of a photo of the business place while in operation.
- A clean credit history, meaning the applicant is not currently receiving productive credit from another bank (can be checked through OJK’s SLIK).
How to Register for BRI KUR 2026 Online Using a Phone
The application process can now be completed entirely from home using a phone or computer connected to the internet. You only need to follow these systematic steps:
First, open a browser and visit the official website at kur.bri.co.id. Make sure you only access this official address to avoid fraud or personal data theft by irresponsible parties.
Second, select the “Apply for Loan” menu on the homepage. New users are required to create an account first using an active email address and a new password.
Third, verify your account through the link sent to your email. After the account is active, log back into the system and fill in the personal data form completely, from NIK and full name as listed on the ID card to family information.
Fourth, upload the required documents such as a photo of your ID card, a selfie holding the ID card, KK, and the business certificate. Make sure the camera results are clear and not blurry so the system can read them accurately.
Fifth, enter detailed business information, including the type of business, monthly turnover, length of operation, and full address of the business location. After that, determine the desired loan amount and repayment period.
The final step is to review all the information entered. If everything is correct, click “Submit” and wait for the verification process and on-site survey by BRI officers within 3 to 7 working days.
KUR BRI Installment Simulation at 6 Percent Interest
To give an idea of the monthly installment burden, here is an installment simulation table with an effective annual interest rate of 6 percent:</p
| Loan Amount | 12-Month Tenor | 36-Month Tenor | 60-Month Tenor |
|---|---|---|---|
| Rp10,000,000 | Rp860,000 | Rp304,000 | Rp193,000 |
| Rp50,000,000 | Rp4,300,000 | Rp1,520,000 | Rp966,000 |
| Rp100,000,000 | Rp8,600,000 | Rp3,030,000 | Rp1,930,000 |
The calculations above are rough estimates. The actual monthly installment may be slightly different depending on administrative policies and the detailed calculation at the time of loan contract signing at the nearest branch office.
Tips for Getting Your Application Approved
Many applications are rejected because of minor errors during data entry. The key to passing the survey is honest financial information. Never manipulate your monthly turnover to make it look larger, because field officers will conduct a direct physical verification of your business location.
Also, make sure the phone number you register is always active. Credit officers will contact you to schedule a field visit. If the phone cannot be reached after several attempts, your application may be automatically canceled by the system.
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