{"id":4049,"date":"2025-12-02T21:20:19","date_gmt":"2025-12-02T14:20:19","guid":{"rendered":"https:\/\/banjoo.id\/blog\/?p=4049"},"modified":"2025-12-02T21:32:16","modified_gmt":"2025-12-02T14:32:16","slug":"pengajuan-kur-online-desember-2025-dibuka-ini-skema-angsuran-pinjaman-rp25-500-juta-yang-perlu-kamu-tahu","status":"publish","type":"post","link":"https:\/\/banjoo.id\/blog\/pengajuan-kur-online-desember-2025-dibuka-ini-skema-angsuran-pinjaman-rp25-500-juta-yang-perlu-kamu-tahu\/","title":{"rendered":"Pengajuan KUR Online Desember 2025 Dibuka! Ini Skema Angsuran Pinjaman Rp25\u2013500 Juta yang Perlu Kamu Tahu"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Memasuki Desember 2025, minat pelaku UMKM terhadap pembiayaan <a href=\"#\">Kredit<\/a> Usaha Rakyat (<a href=\"#\">KUR<\/a>) kembali meningkat. Program ini masih jadi andalan karena bunganya rendah, prosesnya ringkas, dan bisa diajukan tanpa harus datang ke bank. <a href=\"#\">BRI<\/a> sebagai penyalur terbesar tetap memegang porsi dominan dalam penyaluran KUR sepanjang 2025.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Program KUR sendiri merupakan pembiayaan bersubsidi yang dananya bersumber dari bank\/lembaga keuangan non-bank, lalu disalurkan dalam bentuk modal kerja maupun investasi. Hingga Mei 2025, BRI sudah menyalurkan Rp69,8 triliun kepada lebih dari 8,29 juta debitur UMKM, dengan mayoritas penyaluran mengalir ke sektor produksi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kalau kamu sedang mencari modal usaha akhir tahun, berikut jenis KUR, syarat, skema angsuran, dan panduan pengajuan yang berlaku pada periode Desember 2025.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-jenis-kur-bri-yang-bisa-diajukan\">Jenis KUR BRI yang Bisa Diajukan<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">BRI menyediakan dua jenis KUR yang umumnya diajukan pelaku UMKM.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-kur-mikro-bri\">1. KUR Mikro BRI<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Untuk usaha kecil yang masih bertumbuh, peruntukannya lebih fleksibel.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ketentuan debitur:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Perorangan yang menjalankan usaha produktif.<\/li>\n\n\n\n<li>Usaha aktif minimal 6 bulan.<\/li>\n\n\n\n<li>Tidak sedang menerima kredit produktif dari bank lain.<\/li>\n\n\n\n<li>Dokumen yang diperlukan:\n<ul class=\"wp-block-list\">\n<li>KTP<\/li>\n\n\n\n<li>Kartu Keluarga<\/li>\n\n\n\n<li>Surat izin usaha (SKU\/Surat Keterangan Usaha)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-kur-kecil-bri\">2. KUR Kecil BRI<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Cocok untuk usaha yang sudah berkembang dan butuh pembiayaan lebih besar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ketentuan umum:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Usaha berjalan minimal 6 bulan.<\/li>\n\n\n\n<li>Tidak memiliki kredit bank lain selain kredit konsumtif.<\/li>\n\n\n\n<li>Memiliki izin usaha lengkap (IUMK atau sejenisnya).<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-skema-angsuran-pinjaman-rp25-500-juta-periode-desember-2025\">Skema Angsuran Pinjaman Rp25\u2013500 Juta (Periode Desember 2025)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Agar lebih mudah dipahami, berikut tabel skema angsuran yang berlaku untuk dua jenis KUR BRI: <\/p>\n\n\n\n<table border=\"1\" cellpadding=\"10\" cellspacing=\"0\" style=\"width:100%;border-collapse:collapse\"> <thead> <tr style=\"background-color:#f2f2f2\"> <th>Jenis KUR<\/th> <th>Limit <a href=\"#\">Pinjaman<\/a><\/th> <th>Tenor<\/th> <th>Bunga<\/th> <\/tr> <\/thead> <tbody> <tr> <td><strong>KUR Mikro<\/strong><\/td> <td>Rp25 juta \u2013 Rp50 juta<\/td> <td>12\u201336 bulan<\/td> <td>Bunga rendah bersubsidi pemerintah<\/td> <\/tr> <tr> <td><strong>KUR Kecil<\/strong><\/td> <td>Rp50 juta \u2013 Rp500 juta<\/td> <td>24\u201360 bulan<\/td> <td>Bunga rendah sesuai aturan 2025<\/td> <\/tr> <\/tbody> <\/table>\n\n\n\n<p class=\"wp-block-paragraph\">Skema ini menjadi acuan banyak UMKM menjelang Desember 2025, terutama karena kebutuhan modal usaha meningkat menjelang pergantian tahun.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-cara-mengajukan-kur-bri-secara-online\">Cara Mengajukan KUR BRI Secara Online<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Untuk mempermudah nasabah, proses pengajuan bisa dilakukan langsung lewat situs resmi.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-langkah-pengajuan-online\">Langkah Pengajuan Online<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Buka situs <strong>kur.bri.co.id<\/strong> dari browser.<\/li>\n\n\n\n<li>Tekan menu <strong>\u201cAjukan Pinjaman\u201d<\/strong>.<\/li>\n\n\n\n<li>Login menggunakan email atau daftar akun baru.<\/li>\n\n\n\n<li>Verifikasi email dan masuk kembali menggunakan akun yang sudah aktif.<\/li>\n\n\n\n<li>Pilih <strong>\u201cAjukan Pinjaman KUR\u201d<\/strong>.<\/li>\n\n\n\n<li>Setujui syarat dan ketentuan.<\/li>\n\n\n\n<li>Lakukan verifikasi <strong>I\u2019m Not a Robot<\/strong>.<\/li>\n\n\n\n<li>Isi data diri secara lengkap.<\/li>\n\n\n\n<li>Masukkan data usaha secara benar.<\/li>\n\n\n\n<li>Unggah dokumen persyaratan.<\/li>\n\n\n\n<li>Pilih nominal pinjaman dan tenor.<\/li>\n\n\n\n<li>Tekan <strong>\u201cHitung Angsuran\u201d<\/strong> untuk melihat simulasinya.<\/li>\n\n\n\n<li>Klik <strong>\u201cAjukan Pinjaman\u201d<\/strong> dan tunggu hasil persetujuan.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-cara-mengajukan-kur-langsung-di-kantor-cabang-bri\">Cara Mengajukan KUR Langsung di Kantor Cabang BRI<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bila ingin didampingi petugas, pengajuan langsung ke kantor cabang tetap bisa dilakukan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-dokumen-administrasi\">Dokumen Administrasi<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>KTP<\/li>\n\n\n\n<li>Kartu Keluarga<\/li>\n\n\n\n<li>NPWP (jika diminta)<\/li>\n\n\n\n<li>Izin usaha\/IUMK<\/li>\n\n\n\n<li>Dokumen usaha tambahan bila diperlukan<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-prosedur-pengajuan-di-kantor\">Prosedur Pengajuan di Kantor<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Datangi kantor cabang BRI terdekat.<\/li>\n\n\n\n<li>Ambil nomor antrean dan tunggu panggilan petugas.<\/li>\n\n\n\n<li>Sampaikan bahwa kamu ingin mengajukan KUR.<\/li>\n\n\n\n<li>Serahkan dokumen dan ikuti instruksi verifikasi.<\/li>\n\n\n\n<li>Petugas akan menilai kelayakan dan melanjutkan proses pengajuan.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-cara-cek-status-pengajuan-kur-bri\">Cara Cek Status Pengajuan KUR BRI<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Setelah mengajukan, status pinjaman dapat dipantau secara mandiri.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-cara-mengecek-status\">Cara Mengecek Status<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kunjungi halaman tracking pengajuan KUR BRI.<\/li>\n\n\n\n<li>Masukkan <strong>Nomor Referensi<\/strong>.<\/li>\n\n\n\n<li>Sistem akan menampilkan status apakah pengajuan diproses, diterima, atau perlu melengkapi dokumen.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-penutup\">Penutup<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Semoga panduan ini membantu kamu memahami skema KUR BRI Desember 2025. Kalau kamu lagi merintis usaha, program ini bisa jadi peluang bagus buat nambah modal, ya!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Memasuki Desember 2025, minat pelaku UMKM terhadap pembiayaan Kredit Usaha Rakyat (KUR) kembali meningkat. Program &#8230; <a title=\"Pengajuan KUR Online Desember 2025 Dibuka! Ini Skema Angsuran Pinjaman Rp25\u2013500 Juta yang Perlu Kamu Tahu\" class=\"read-more\" href=\"https:\/\/banjoo.id\/blog\/pengajuan-kur-online-desember-2025-dibuka-ini-skema-angsuran-pinjaman-rp25-500-juta-yang-perlu-kamu-tahu\/\" aria-label=\"More on Pengajuan KUR Online Desember 2025 Dibuka! Ini Skema Angsuran Pinjaman Rp25\u2013500 Juta yang Perlu Kamu Tahu\">Baca Selengkapnya<\/a><\/p>\n","protected":false},"author":2,"featured_media":4057,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[102],"tags":[19,279,63],"class_list":["post-4049","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-perbankan","tag-bri","tag-kur","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>Pengajuan KUR Online Desember 2025 Dibuka! Ini Skema Angsuran Pinjaman Rp25\u2013500 Juta yang Perlu Kamu Tahu<\/title>\n<meta name=\"description\" content=\"Ajukan KUR Desember 2025 lebih mudah dengan panduan ini. Pelajari skema angsuran sebelum daftar. 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Klik untuk membaca artikelnya!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/banjoo.id\/blog\/pengajuan-kur-online-desember-2025-dibuka-ini-skema-angsuran-pinjaman-rp25-500-juta-yang-perlu-kamu-tahu\/\" \/>\n<meta property=\"og:site_name\" content=\"BanjooNews\" \/>\n<meta property=\"article:published_time\" content=\"2025-12-02T14:20:19+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-02T14:32:16+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/banjoo.id\/blog\/wp-content\/uploads\/2025\/12\/Pengajuan-KUR-Online-Desember-2025-Dibuka-Ini-Skema-Angsuran-Pinjaman-Rp25\u2013500-Juta-yang-Perlu-Kamu-Tahu-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"814\" \/>\n\t<meta property=\"og:image:height\" content=\"491\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Andrea Hirata\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@andreahirata\" \/>\n<meta name=\"twitter:label1\" content=\"Ditulis oleh\" \/>\n\t<meta name=\"twitter:data1\" content=\"Andrea Hirata\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimasi waktu membaca\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 menit\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"NewsArticle\",\"@id\":\"https:\\\/\\\/banjoo.id\\\/blog\\\/pengajuan-kur-online-desember-2025-dibuka-ini-skema-angsuran-pinjaman-rp25-500-juta-yang-perlu-kamu-tahu\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/banjoo.id\\\/blog\\\/pengajuan-kur-online-desember-2025-dibuka-ini-skema-angsuran-pinjaman-rp25-500-juta-yang-perlu-kamu-tahu\\\/\"},\"author\":{\"name\":\"Andrea Hirata\",\"@id\":\"https:\\\/\\\/banjoo.id\\\/blog\\\/#\\\/schema\\\/person\\\/aa3d6bf54bc0685b401658e96a766910\"},\"headline\":\"Pengajuan KUR Online Desember 2025 Dibuka! 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