{"id":1175,"date":"2025-11-14T00:53:46","date_gmt":"2025-11-13T17:53:46","guid":{"rendered":"https:\/\/banjoo.id\/blog\/?p=1175"},"modified":"2025-11-14T01:05:23","modified_gmt":"2025-11-13T18:05:23","slug":"update-terbaru-kur-bri-november-2025-untuk-umkm-ini-syarat-bunga-dan-cara-daftar-online-tanpa-ribet","status":"publish","type":"post","link":"https:\/\/banjoo.id\/blog\/update-terbaru-kur-bri-november-2025-untuk-umkm-ini-syarat-bunga-dan-cara-daftar-online-tanpa-ribet\/","title":{"rendered":"Update Terbaru KUR BRI November 2025 Untuk UMKM, Ini Syarat, Bunga, dan Cara Daftar Online Tanpa Ribet"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Pernah ga sih ngerasa usaha tuh udah \u201cmau naik level\u201d, tapi modalnya mandek di situ-situ aja? \ud83d\ude05<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Santai, kamu ga sendirian kok. Banyak pelaku UMKM yang ngerasain hal sama. Di satu sisi, orderan makin banyak, permintaan naik, tapi modal buat ngejar peluang malah kurang.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nah, kabar baiknya\u2026 <strong><a href=\"#\">KUR<\/a> <a href=\"#\">BRI<\/a> November 2025 resmi dibuka lagi!<\/strong> \ud83c\udf89<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Program ini emang jadi andalan banyak pelaku UMKM tiap tahun karena bunganya ringan, persyaratannya simpel, dan proses daftarnya gampang banget \u2014 bahkan bisa dilakukan <strong>online tanpa ribet<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Di artikel ini, kita bahas lengkap biar kamu ga bingung lagi mulai dari syarat, jenis KUR, bunga, sampai cara daftar online lewat <em>kur.bri.co.id<\/em>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kita juga tambahin simulasi tabel angsuran, FAQ, plus tips biar peluang kamu ACC lebih besar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Gas? Kita mulai ya!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Apa Itu KUR BRI 2025 dan Kenapa Penting Buat UMKM?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">KUR BRI itu sebenernya <a href=\"#\">kredit<\/a> pembiayaan modal kerja\/investasi yang ditujukan buat UMKM yang produktif, layak, tapi belum punya agunan tambahan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jadi cocok banget buat pelaku usaha kecil yang mau naik kelas tapi modalnya terbatas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Menurut penjelasan <strong>BRI<\/strong> dan juga dijelaskan dalam berbagai laporan seperti yang dirangkum oleh <strong>Dealls<\/strong>, KUR adalah <strong>kredit bersubsidi pemerintah<\/strong> dengan bunga jauh lebih rendah dibanding kredit komersial. BRI jadi salah satu penyalur terbesar tiap tahunnya.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Di tahun <strong>2025<\/strong>, bunga KUR BRI masih dipertahankan di angka <strong>6% per tahun<\/strong>, dengan tenor sampai <strong>5 tahun<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Buat Super Mikro? Bahkan cuma <strong>3% per tahun<\/strong>!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jenis-Jenis KUR BRI November 2025<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Biar kamu ga salah pilih, berikut penjelasan setiap jenis KUR BRI yang berlaku:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. KUR Super Mikro<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Plafon: Maksimal <strong>Rp10 juta<\/strong><\/li>\n\n\n\n<li>Bunga: <strong>3% per tahun<\/strong><\/li>\n\n\n\n<li>Tanpa agunan tambahan<\/li>\n\n\n\n<li>Cocok buat usaha baru mulai, ibu rumah tangga, dan usaha ultra-mikro<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">2. KUR Mikro<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Plafon: <strong>hingga Rp50 juta<\/strong><\/li>\n\n\n\n<li>Bunga: <strong>6% per tahun<\/strong><\/li>\n\n\n\n<li>Syarat: Usaha min. 6 bulan berjalan<\/li>\n\n\n\n<li>Ga perlu agunan tambahan selama sesuai ketentuan<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">3. KUR Kecil<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Plafon: <strong>Rp50\u2013500 juta<\/strong><\/li>\n\n\n\n<li>Bunga: <strong>6% per tahun<\/strong><\/li>\n\n\n\n<li>Ada agunan tambahan<\/li>\n\n\n\n<li>Cocok untuk usaha yang sudah berkembang pesat<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">4. KUR TKI (Tenaga Kerja Indonesia)<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Plafon: <strong>maksimal Rp25 juta<\/strong><\/li>\n\n\n\n<li>Bunga: <strong>6% per tahun<\/strong><\/li>\n\n\n\n<li>Diutamakan bagi calon TKI yang akan berangkat ke Singapura, Taiwan, Hong Kong, Korea Selatan<\/li>\n\n\n\n<li>Bisa dipakai untuk biaya penempatan<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Jenis KUR ini selalu jadi favorit UMKM karena bunganya flat, ga berubah-ubah. Stabil.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Syarat Mengajukan KUR BRI November 2025<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Berdasarkan penjelasan dari <strong>Fahum UMSU<\/strong> serta informasi resmi BRI, berikut syarat umum:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Warga Negara Indonesia (WNI)<\/li>\n\n\n\n<li>Minimal usia <strong>21 tahun<\/strong> atau sudah menikah<\/li>\n\n\n\n<li>Usaha sudah berjalan minimal <strong>6 bulan<\/strong><\/li>\n\n\n\n<li>Tidak memiliki kredit bermasalah \/ tunggakan<\/li>\n\n\n\n<li>Tidak sedang menerima kredit produktif dari bank lain<\/li>\n\n\n\n<li>Dokumen:\n<ul class=\"wp-block-list\">\n<li>KTP<\/li>\n\n\n\n<li>KK<\/li>\n\n\n\n<li>SKU (Surat Keterangan Usaha)<\/li>\n\n\n\n<li>NPWP (untuk <a href=\"#\">pinjaman<\/a> di atas Rp50 juta)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Syaratnya simpel, tapi pastikan SKU kamu resmi ya \u2014 biasanya dari desa\/kelurahan.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Cara Daftar KUR BRI 2025 Secara Online (Tanpa Ribet!)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sebenarnya ini bagian yang paling banyak dicari orang. Santai, aku jelasin step-by-step yang gampang banget:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Buka website resmi: \ud83d\udc49 https:\/\/kur.bri.co.id<\/li>\n\n\n\n<li>Login \/ Daftar akun<br>Kalau belum punya akun, daftar pakai email aktif.<\/li>\n\n\n\n<li>Verifikasi email<br>Link verifikasi akan dikirim otomatis.<\/li>\n\n\n\n<li>Klik \u201cAjukan Pinjaman KUR\u201d<\/li>\n\n\n\n<li>Centang:<br>Saya nasabah BRI<br>Setuju dan ajukan pinjaman<br>I&#8217;m not robot<\/li>\n\n\n\n<li>Isi data diri lengkap<\/li>\n\n\n\n<li>Upload dokumen: KTP, KK, SKU, NPWP (opsional)<\/li>\n\n\n\n<li>Isi data pengajuan<br>Pilih tenor<br>Pilih nominal pinjaman<br>Klik Hitung Angsuran<\/li>\n\n\n\n<li>Klik Ajukan Pinjaman<br><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Sistem akan menampilkan status awal pengajuan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kalau ACC, kamu akan dihubungi pihak BRI untuk proses lanjutan.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Cara Daftar KUR BRI Secara Offline di Kantor Cabang<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kalau kamu tipe yang lebih nyaman tatap muka:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Siapkan dokumen lengkap<\/li>\n\n\n\n<li>Datang ke BRI terdekat<\/li>\n\n\n\n<li>Ambil antrean \u201cKredit UMKM \/ KUR\u201d<\/li>\n\n\n\n<li>Isi formulir pengajuan<\/li>\n\n\n\n<li>Ikuti verifikasi &amp; wawancara<\/li>\n\n\n\n<li>Tunggu proses survei usaha<\/li>\n\n\n\n<li>Jika ACC, dana akan cair ke rekening BRI kamu<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Biasanya proses ACC 3\u20137 hari.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Tabel Angsuran KUR BRI 2025 (Simulasi Lengkap)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Supaya kamu punya gambaran jelas:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Plafon Rp10 juta<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>12 bulan: Rp883.333<\/li>\n\n\n\n<li>24 bulan: Rp466.667<\/li>\n\n\n\n<li>36 bulan: Rp327.778<\/li>\n\n\n\n<li>48 bulan: Rp258.333<\/li>\n\n\n\n<li>60 bulan: Rp216.667<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Plafon Rp25 juta<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>12 bulan: Rp2.208.333<\/li>\n\n\n\n<li>24 bulan: Rp1.166.667<\/li>\n\n\n\n<li>36 bulan: Rp819.444<\/li>\n\n\n\n<li>48 bulan: Rp645.833<\/li>\n\n\n\n<li>60 bulan: Rp541.667<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Plafon Rp50 juta<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>12 bulan: Rp4.416.667<\/li>\n\n\n\n<li>24 bulan: Rp2.333.333<\/li>\n\n\n\n<li>36 bulan: Rp1.638.889<\/li>\n\n\n\n<li>48 bulan: Rp1.291.667<\/li>\n\n\n\n<li>60 bulan: Rp1.083.333<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Plafon Rp100 juta<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>12 bulan: Rp8.833.333<\/li>\n\n\n\n<li>24 bulan: Rp4.666.667<\/li>\n\n\n\n<li>36 bulan: Rp3.277.778<\/li>\n\n\n\n<li>48 bulan: Rp2.583.333<\/li>\n\n\n\n<li>60 bulan: Rp2.166.667<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Plafon Rp500 juta<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>12 bulan: Rp44.166.667<\/li>\n\n\n\n<li>24 bulan: Rp23.333.333<\/li>\n\n\n\n<li>36 bulan: Rp16.388.889<\/li>\n\n\n\n<li>48 bulan: Rp12.916.667<\/li>\n\n\n\n<li>60 bulan: Rp10.833.333<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Tips Agar Pengajuan KUR BRI Kamu Lebih Mudah Di-ACC<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Nah ini yang jarang dibahas orang tapi penting banget:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Pastikan SKU resmi dan jelas<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">SKU asal-asalan bisa bikin risiko ditolak.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Rekening BRI aktif lebih dari 3 bulan<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ada mutasi? Lebih bagus.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Upload dokumen yang jelas &amp; terang<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Jangan blur, jangan ketutupan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Pastikan alamat usaha jelas<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tim survei akan cek lokasi.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. Jangan punya tunggakan pinjaman lain<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">BRI sangat memperhatikan SLIK <a href=\"#\">OJK<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Menurut <strong>OJK<\/strong>, SLIK clean sangat mempengaruhi tingkat persetujuan kredit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">FAQ KUR BRI 2025<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. Apakah KUR BRI November 2025 masih dibuka?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ya, masih. Program ini terus berjalan hingga kuota nasional habis.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Berapa bunga KUR BRI tahun 2025?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tetap <strong>6% per tahun<\/strong>, Super Mikro <strong>3%<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Apakah bisa daftar online dari HP?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bisa banget, website KUR BRI mobile-friendly.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Apakah perlu jaminan?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Untuk Super Mikro dan Mikro: Tidak.<br>Untuk KUR Kecil: Perlu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. Usaha saya baru 4 bulan, bisa daftar?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Belum bisa. Minimal 6 bulan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">6. Apakah ibu rumah tangga bisa dapat KUR?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bisa, asal punya usaha berjalan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">7. Berapa lama proses ACC?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">3\u20137 hari kerja.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">8. Apakah KUR bisa untuk bayar hutang?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tidak boleh, harus untuk produktif.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pernah ga sih ngerasa usaha tuh udah \u201cmau naik level\u201d, tapi modalnya mandek di situ-situ &#8230; <a title=\"Update Terbaru KUR BRI November 2025 Untuk UMKM, Ini Syarat, Bunga, dan Cara Daftar Online Tanpa Ribet\" class=\"read-more\" href=\"https:\/\/banjoo.id\/blog\/update-terbaru-kur-bri-november-2025-untuk-umkm-ini-syarat-bunga-dan-cara-daftar-online-tanpa-ribet\/\" aria-label=\"More on Update Terbaru KUR BRI November 2025 Untuk UMKM, Ini Syarat, Bunga, dan Cara Daftar Online Tanpa Ribet\">Baca Selengkapnya<\/a><\/p>\n","protected":false},"author":3,"featured_media":1181,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[102],"tags":[19,65,63],"class_list":["post-1175","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-perbankan","tag-bri","tag-kredit","tag-umkm","infinite-scroll-item"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Update Terbaru KUR BRI November 2025 Untuk UMKM, Ini Syarat, Bunga, dan Cara Daftar Online Tanpa Ribet<\/title>\n<meta name=\"description\" content=\"KUR BRI 2025 resmi dibuka! 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