Easy Way to Apply for a BNI KUR Loan

If you’re a small business owner or entrepreneur looking to expand your business, purchase equipment, or cover working capital needs, a BNI KUR (Kredit Usaha Rakyat) loan could be the solution you’ve been searching for.

BNI KUR is a government-backed microcredit program offered by Bank Negara Indonesia (BNI) to support small and medium-sized enterprises (SMEs) in Indonesia.

With simplified requirements, competitive interest rates, and flexible repayment terms, applying for a BNI KUR loan has never been easier. In this comprehensive guide, we’ll walk you through the easy steps to apply for a BNI KUR loan:

1. Understand the BNI KUR Program

Before applying for a BNI KUR loan, it’s essential to understand the program’s eligibility criteria, terms, and conditions.

BNI KUR loans are available to Indonesian citizens aged 21 to 65 years old who own micro, small, or medium-sized businesses.

The program offers financing for various purposes, including business expansion, working capital, investment in productive assets, and more.

Loan amounts range from IDR 5 million to IDR 500 million, with competitive interest rates and flexible repayment terms.

2. Determine Your Eligibility

To qualify for a BNI KUR loan, you must meet certain eligibility requirements set by BNI and the Indonesian government.

These requirements may vary depending on the type of business, loan purpose, and amount of financing requested.

Generally, applicants must have a viable business plan, a good credit history, and the ability to repay the loan.

Additionally, applicants may be required to provide collateral or guarantors depending on the loan amount and risk profile.

3. Prepare Required Documents

Gather the necessary documents and information required to apply for a BNI KUR loan. Typical documentation includes:

  • Copy of identification card (KTP) for individual applicants or company registration documents for business entities
  • Business license (SIUP) or other relevant permits
  • Business plan outlining the purpose of the loan, planned use of funds, and projected financials
  • Financial statements, including balance sheets, income statements, and cash flow projections
  • Collateral documents (if applicable), such as land certificates, vehicle registration, or deposit certificates
  • Other supporting documents as requested by BNI or regulatory authorities
  • Ensure that all documents are complete, accurate, and up-to-date to expedite the loan application process.

4. Visit the Nearest BNI Branch

Once you’ve prepared the required documents, visit the nearest BNI branch to submit your loan application.

Schedule an appointment with a BNI relationship manager or loan officer to discuss your financing needs and review the application requirements.

Be prepared to provide detailed information about your business, financial situation, and loan requirements during the meeting.

5. Submit Your Loan Application

Submit your loan application along with the required documents to the BNI branch office. The loan officer will review your application, assess your eligibility, and evaluate the feasibility of your business plan.

If additional information or documentation is required, the loan officer will notify you promptly to expedite the application process.

6. Wait for Loan Approval

Once your loan application is submitted, BNI will review your application and conduct a credit assessment to determine your eligibility for financing.

This process may take several days to several weeks depending on the complexity of the loan request and the volume of applications being processed. Be patient and follow up with BNI periodically to check the status of your application.

7. Receive Loan Disbursement

If your loan application is approved, BNI will notify you of the approval decision and provide details regarding the loan terms, amount, interest rate, and repayment schedule.

Upon acceptance of the loan terms, BNI will disburse the loan funds to your designated bank account or issue a cashier’s check for the approved amount.

Ensure that you use the loan funds responsibly for the intended purpose and adhere to the agreed-upon repayment schedule to maintain a positive credit history with BNI.


Applying for a BNI KUR loan is a straightforward process that can provide valuable financing support for small and medium-sized businesses in Indonesia.

By understanding the program’s eligibility criteria, preparing the necessary documents, and following the application steps outlined above, you can increase your chances of securing financing to grow and expand your business.

Take advantage of the BCA KUR program to access affordable financing and unlock new opportunities for success in your entrepreneurial journey.