BRI: Online Loan Borrowers Under IDR 1 Million Can Still Apply for KUR
For those in this category, we ignore ceilings up to Rp1 million. This means it does not act as an obstacle or disqualify their right to borrow KUR.
g Jakarta (ANTARA) - PT Bank Rakyat Indonesia (Persero) Tbk has stated that business actors with online loan (pinjol) histories below Rp1 million are permitted to apply for People’s Business Credit (KUR).
BRI Product Department Head, Antonius Bangun Prasetyo, stated that this policy is part of the relaxation provided by the Financial Services Authority (OJK) to expand access to financing for micro, small, and medium enterprises (MSMEs).
“For those in this category, we ignore ceilings up to Rp1 million. This means it does not act as an obstacle or disqualify their right to borrow KUR,” said Antonius during a discussion organised by the Ministry of MSMEs in Jakarta on Wednesday.
This policy aligns with the relaxation provided by the OJK regarding credit recording in the Financial Services Information System (SLIK). Under this policy, SLIK data displayed only includes credits with a nominal value of Rp1 million and above, so that loans below this threshold are no longer a barrier for the public in accessing banking finance.
SLIK is a system managed by the OJK to provide information regarding the credit or financing history of debtors. This information is used by banks and other financial service institutions as a consideration in the analysis process before approving credit or financing.
Nevertheless, Antonius emphasised that prospective debtors must still meet the basic KUR requirements established by the government and the banking sector. He mentioned that one of the primary requirements is having a productive business that has been running for at least six months. Additionally, prospective debtors must possess business legality that can be proven through a Business Identification Number (NIB) or a business certificate.
“You must already have an ongoing business. You cannot apply if you are only planning to start one,” he said.
In addition to business legality, prospective debtors must also possess valid identification in the form of an electronic ID card (e-KTP) or a KTP processing certificate that can be verified with data from the Directorate General of Population and Civil Registration.
For KUR applications exceeding Rp50 million, prospective debtors are also required to have an active and valid Taxpayer Identification Number (NPWP).
BRI also conducts checks through the Program Credit Information System (SIKP) to ensure that prospective debtors are not currently receiving KUR or other government programme credits. “If you are still enjoying other government programme credits, the old ones must be settled first,” said Antonius.
He added that KUR cannot be granted to active civil servants (ASN), members of the TNI (National Armed Forces), or the Polri (National Police). However, this provision does not apply to those entering retirement preparation or those who have already retired.
In addition to meeting administrative requirements, Antonius mentioned that prospective debtors will also undergo an assessment process by the bank, including an evaluation of their credit payment track record as a consideration for KUR approval.
The KUR programme is a government-subsidised financing scheme aimed at increasing access to capital for MSMEs.
BRI recorded that the realisation of People’s Business Credit (KUR) distribution from January to May 2026 reached Rp84.36 trillion, equivalent to 46.87 per cent of the total 2026 allocation of Rp180 trillion.