Kredit Usaha Rakyat (KUR)

  • Working capital and/or investment credit/financing
  • Provided to individual debtors, business entities and/or business groups
  • Productive and feasible business
  • Do not yet have additional collateral or the additional collateral is insufficient
  • Type / Scheme
    • Super Micro KUR
    • Micro KUR
    • Small KUR
    • Special KUR
    • Indonesian Migrant Worker (PMI) Placement KUR
  • Benefits
    • Competitive and Low Interest Rates
    • Easy requirements and fast approval process
    • Practical
      Auto-debit installment payments from the debtor's account at the Bank
  • Requirements
    • Minimum age of 21 years
    • Business has been running for at least 6 months for Micro KUR and Small KUR
    • No credit arrears (SLIK)
    • Not listed in the National Blacklist of Bank Indonesia (DHNBI)
    • Already a customer or willing to become a Bank Jatim customer
    • Seasonal business sectors must attach:
    • Proof of land ownership if the land is self-owned
    • Lease agreement acknowledged by the local village head if the land is not self-owned
    • Prospective debtors have never received commercial investment/working capital credit, except:
      • Consumer Credit for household needs
      • Ultra-micro scale/scheme credit or similar, and/or
      • Loans from information technology-based co-funding service companies or digital-based financing companies
    • Prospective/Current Debtors may simultaneously have credit/financing with current collectability, namely:
      • KUR at the same distributor/lender
      • Home Ownership Credit (Mortgage)
      • Credit/leasing of two-wheeled motor vehicles for productive purposes
      • Credit guaranteed by a Pension Decree
      • Credit Card
      • Warehouse receipt credit, and/or
      • Consumer credit for household needs from Banks or non-bank financial institutions in accordance with the definition in the legislation
  • RIPLAY (Product or Service Information Summary)
    • The general version of RIPLAY (Product and Service Information Summary) is a standard document that contains comprehensive important information regarding financial products or services
    • People's Business Credit (KUR) RIPLAY

For further requirements, terms, or information regarding our products, please contact Bank Jatim Info 14044 or visit a Bank Jatim Branch Office directly.