NTB Governor Regulation Draft for Migrant Worker KUR Completed, Disbursement Set for Second Half of 2026
The Provincial Government of West Nusa Tenggara (NTB) has completed the draft Governor Regulation (Pergub) to serve as the legal framework for distributing the People’s Business Credit (KUR) programme specifically for Indonesian Migrant Workers (PMI). The financing programme is scheduled to begin disbursement in the second half of 2026.
"The regional government is just waiting for the finalisation of the distribution mechanism from Bank NTB Syariah because the Pergub draft is already finished," said Head of the NTB Manpower and Transmigration Office (Disnakertrans) Aidy Furqon on Wednesday (17/6/2026).
As an initial stimulus, the NTB provincial government has prepared a budget of Rp 10 billion. This amount is projected to be increased if uptake of the programme in the field shows positive results. "Yes, for the initial stage, that amount has been prepared, Rp 10 billion. If it is successful, it will be topped up. The top-up pattern is as the Governor said," Furqon explained.
Once the distribution mechanism from the bank is finalised, Disnakertrans NTB will gather Indonesian Migrant Worker Placement Companies (P3MI) to recruit prospective PMIs. "We must partner with them, because we cannot go directly to search for prospective workers," he asserted.
Furqon explained that the KUR PMI programme applies to all destination countries, not just Malaysia. The financing ceiling is adjusted according to the destination country. "The ceiling for Malaysia is Rp 80 million and for Japan it is Rp 70 million. Those going to Japan are mostly internship participants," he stated.
Previously, Bank NTB Syariah’s Financing Director Agus Suhendro revealed that the high interest among NTB residents in working abroad was the main reason behind the creation of the KUR PMI and internship scheme. Bank NTB Syariah has also mapped out the loan ceilings that prospective migrant workers from Bumi Gora can utilise.
For PMIs in the formal sector, the financing ceiling ranges from Rp 10 million to Rp 80 million. These funds can be used to cover passport processing, BPJS Ketenagakerjaan, training, medical check-ups, flight tickets, and work visas. Meanwhile, overseas internship participants can obtain financing of Rp 50 million to Rp 70 million per person. These funds cover language training, accommodation, meals, insurance, and internship visas.
To mitigate the risk of non-performing loans due to failed departures, Bank NTB Syariah applies strict rules. KUR funds will only be disbursed after the work visa or internship visa is officially issued. "We understand the operational needs on the ground. Therefore, the document verification process and customer eligibility analysis will be carried out in parallel from the training period," said Agus.