Bank Sumut: 17,875 Borrowers Enter Post-Disaster KUR Relaxation Scheme
PT Bank Sumut (a regional development bank) as one of the financing distribution banks has conducted initial mapping of borrowers affected by disasters in the North Sumatra region and prepared technical measures to implement the relaxation scheme.
“In the initial mapping phase, approximately 1,022 borrowers fell into the affected category. Then, around 17,875 borrowers entered the relaxation scheme with an outstanding loan balance of Rp 1.31 trillion,” said Bank Sumut President Director Heru Mardiansyah on Friday, 13 March 2026.
Additionally, approximately 1,081 borrowers fell into the restructuring category with an outstanding balance of Rp 69 billion, whilst other priority categories amounted to approximately Rp 60 billion. The largest distribution of affected borrowers is located in Central Tapanuli, South Tapanuli and Mandailingnatal regencies.
“We are ready to implement the relaxation scheme in accordance with the Coordinating Ministry’s regulations and the bank’s internal rules,” he said.
The government has begun implementing a financing relaxation policy for micro, small and medium enterprises (MSMEs) affected by the Sumatra disaster through the Coordinating Minister for Economic Affairs Regulation Number 2 of 2026 concerning the Management of Post-Disaster People’s Business Credit (KUR).
According to the mapping results, 193,000 affected UMKM borrowers across three provinces have a total outstanding debt of approximately Rp 11 trillion. Some 44,000 borrowers are from North Sumatra, whilst Aceh recorded approximately 121,000 borrowers and West Sumatra approximately 27,000 borrowers. These figures are provisional and will be updated until the final deadline of the mapping phase.
“This year at zero per cent, with no interest charged, rising to 3 per cent next year. The bank will identify which of these 193,000 MSMEs are truly unable to pay and which still have the capacity to pay,” said MSME Minister Maman Abdurrahman during an economic recovery coordination meeting involving relevant ministries, local governments and KUR distribution banks.
Maman stated that the handling of UMKM borrowers of KUR loans is focused on three main economic recovery steps: expanding financing access, restoring production and opening market access. The approach is divided into two categories. First, for MSMEs that already have financing from banks, and second, those not yet accessing financing.
“We focus on discussing the implementation for MSMEs that already have loans, particularly through the KUR programme,” he said.
Through this new regulation, the government provides relaxation in the form of payment deferrals or grace periods, tenor extensions, credit restructuring, and interest relief. In the first year, affected borrowers will not be charged loan interest.
North Sumatra Governor Bobby Nasution stated his readiness to accelerate the synchronisation of affected borrower data so that the relaxation programme can be felt by the community soon. He emphasised the importance of data consolidation between local governments, ministries and distribution banks. “The target is for data to be finalised by 31 March,” he said.
According to Bobby, the UMKM recovery programme covering financing, production and marketing is projected to run until the end of 2027. Support from the central government, local governments and banking sector is expected to help business actors recover and maintain economic activity in the affected areas.