Minister of Housing Affirms Housing Microcredit Strengthens Family Economy
The government has established a policy that KUR loans for micro, small and medium enterprises (UMKM) below Rp100 million must not require collateral, so that people can gain easier access to formal financing.
Surabaya (ANTARA) - Minister of Housing and Settlement Areas (PKP) Maruarar Sirait has affirmed that the People’s Business Credit (KUR) Perumahan scheme is not only intended to help people own or improve the quality of their homes, but also serves as an instrument to strengthen the family economy.
Minister Ara, as he is known, made the remarks while reviewing KUR Perumahan beneficiaries together with PT Bank Rakyat Indonesia (Persero) Tbk in Surabaya, East Java, on Monday. He praised the bank’s performance as the institution with the highest KUR Perumahan disbursement in Indonesia.
According to him, this achievement was one of the factors that encouraged the government to raise the KUR Perumahan ceiling from Rp36 billion to Rp50 billion.
“At the Office of the Coordinating Minister, I was called in along with other ministers who have KUR programmes. Of all those programmes, only KUR Perumahan had its ceiling raised from Rp36 billion to Rp50 billion. This would not have been possible without the hard work of BRI. On behalf of the state and the government, I thank BRI,” said Minister Ara.
He also expressed hope that this success would be followed by appreciation for the KUR Perumahan distribution teams that have shown the best performance.
“Please, to the board of directors, also give awards to the high-achieving KUR teams. That way, KUR Perumahan will continue to advance and reach more people,” he said.
Minister Ara affirmed that the government has set a policy whereby KUR loans for UMKM below Rp100 million must not require collateral, making it easier for people to access formal financing.
“UMKM loans below Rp100 million must not require collateral. If anyone is still asking for collateral, report it to me. This is state policy so that people can obtain financing that is easy, cheap and fast. The state must be present to fight loan shark practices,” he asserted.
Minister Ara stressed that housing sector development must go hand in hand with strengthening the family economy so that people can escape poverty sustainably.
“Do not only think about building houses, but we must also build the family economy. We must look at the problem holistically. We should not be proud if a region has many social assistance recipients, because that means there is still much poverty and unemployment. Conversely, when social assistance recipients decrease, that is a sign the government has succeeded in improving people’s welfare,” he said.
On that occasion, Minister Ara also offered encouragement to beneficiaries and their families to continue prioritising education and a strong work ethic.
“I feel my life is meaningful if one day great children are born from the City of Heroes who can make their parents proud. I sense a positive aura in Surabaya, because every mother is also a hero to her children,” he said.
BRI Director of Consumer Banking Aris Hartanto expressed appreciation for Minister Ara’s support and guidance in strengthening collaboration between the government and BRI through the KUR Perumahan programme.
According to Aris, the KUR Perumahan programme is part of the government’s effort to provide affordable housing through collaboration across the entire housing ecosystem. As of 3 August 2026, BRI had recorded KUR Perumahan disbursements totalling Rp410 billion to 1,621 debtors.
Meanwhile, as of 31 July 2026, KUR Perumahan disbursement had reached Rp11.02 trillion, or around 92 per cent of the 2026 distribution target of Rp12 trillion.
“This achievement shows the high enthusiasm of the public for the KUR Perumahan programme. BRI will continue to support government programmes, including the KUR Perumahan programme, so that more people can access financing that is easy, fast and affordable,” said Aris.