{"id":4255,"date":"2025-12-05T01:27:10","date_gmt":"2025-12-04T18:27:10","guid":{"rendered":"https:\/\/banjoo.id\/blog\/?p=4255"},"modified":"2025-12-05T01:27:17","modified_gmt":"2025-12-04T18:27:17","slug":"kur-bri-2025-bagi-umkm-ini-detail-limit-dan-angsuran-dari-rp1-juta-sampai-rp100-juta","status":"publish","type":"post","link":"https:\/\/banjoo.id\/blog\/berita-bank\/4255\/kur-bri-2025-bagi-umkm-ini-detail-limit-dan-angsuran-dari-rp1-juta-sampai-rp100-juta\/","title":{"rendered":"KUR BRI 2025 Bagi UMKM: Ini Detail Limit dan Angsuran dari Rp1 Juta sampai Rp100 Juta"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><a href=\"#\">Kredit<\/a> Usaha Rakyat kembali menarik perhatian setelah penyaluran <a href=\"#\">KUR<\/a> <a href=\"#\">BRI<\/a> 2025 dilaporkan mencapai lebih dari Rp114 triliun, menurut <strong>Kompas.com<\/strong>. Angka ini menunjukkan tingginya kebutuhan modal usaha, terutama bagi pelaku UMKM yang membutuhkan tambahan dana untuk stok hingga pengembangan usaha.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Limit KUR yang fleksibel, mulai dari Rp1 juta hingga Rp100 juta, membuat program ini tetap relevan di 2025. Ditambah tenor panjang dan bunga rendah, skema pembiayaan ini menjadi salah satu opsi paling realistis untuk pelaku UMKM yang ingin menjaga arus kas tetap stabil sambil memperluas bisnis.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-jenis-kur-bri-2025-dan-batas-limit\">Jenis KUR BRI 2025 dan Batas Limit<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Program KUR BRI 2025 tetap mempertahankan pembagian kategori berdasarkan skala usaha. Struktur ini membantu calon debitur memahami batas <a href=\"#\">pinjaman<\/a> yang dapat diajukan sebelum masuk ke tahap simulasi angsuran.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-kur-super-mikro\">KUR Super Mikro<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Plafon: hingga Rp10 juta<\/li>\n\n\n\n<li>Tenor: 12\u201336 bulan<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-kur-mikro\">KUR Mikro<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Plafon: Rp10 juta \u2013 Rp100 juta<\/li>\n\n\n\n<li>Tenor: 36\u201360 bulan<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-kur-kecil\">KUR Kecil<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Plafon: Rp100 juta \u2013 Rp500 juta<\/li>\n\n\n\n<li>Tenor: hingga 60 bulan<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Menurut <strong>kur.bri.co.id<\/strong>, pembagian ini dibuat agar pelaku usaha pada level yang berbeda tetap bisa mengakses pembiayaan sesuai kemampuan usahanya.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Simulasi Angsuran KUR BRI 2025 (Rp1 Juta \u2013 Rp100 Juta)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sebelum mengajukan pinjaman, memahami kemampuan mencicil adalah langkah paling realistis. Berikut simulasi angsuran KUR BRI 2025 untuk berbagai limit pinjaman dan tenor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Simulasi ini membantu pelaku usaha memperkirakan cicilan bulanan dengan lebih akurat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Berikut tabel simulasi angsuran KUR BRI dengan rentang plafon Rp1 juta sampai Rp100 juta. <\/p>\n\n\n\n<table border=\"1\" cellspacing=\"0\" cellpadding=\"8\" style=\"width:100%; border-color:#c7c7c7; font-size:14px;\"> <tr style=\"background:#fff3cd; font-weight:bold; text-align:center;\"> <td>Plafon (Rp)<\/td> <td>12 Bulan<\/td> <td>18 Bulan<\/td> <td>24 Bulan<\/td> <td>36 Bulan<\/td> <td>48 Bulan<\/td> <td>60 Bulan<\/td> <\/tr> <tr> <td>1.000.000<\/td><td>86.527<\/td><td>58.685<\/td><td>44.773<\/td><td>30.877<\/td><td>23.946<\/td><td>19.801<\/td> <\/tr> <tr> <td>5.000.000<\/td><td>432.634<\/td><td>293.425<\/td><td>223.863<\/td><td>154.385<\/td><td>119.731<\/td><td>99.006<\/td> <\/tr> <tr> <td>10.000.000<\/td><td>865.267<\/td><td>586.850<\/td><td>447.726<\/td><td>308.771<\/td><td>239.462<\/td><td>198.012<\/td> <\/tr> <tr> <td>15.000.000<\/td><td>1.297.901<\/td><td>880.275<\/td><td>671.589<\/td><td>463.156<\/td><td>359.194<\/td><td>297.018<\/td> <\/tr> <tr> <td>20.000.000<\/td><td>1.730.535<\/td><td>1.173.700<\/td><td>895.452<\/td><td>617.542<\/td><td>478.925<\/td><td>396.024<\/td> <\/tr> <tr> <td>25.000.000<\/td><td>2.163.169<\/td><td>1.467.125<\/td><td>1.119.314<\/td><td>771.927<\/td><td>598.656<\/td><td>495.030<\/td> <\/tr> <tr> <td>30.000.000<\/td><td>2.595.802<\/td><td>1.760.550<\/td><td>1.343.177<\/td><td>926.313<\/td><td>718.387<\/td><td>594.036<\/td> <\/tr> <tr> <td>35.000.000<\/td><td>3.028.436<\/td><td>2.053.975<\/td><td>1.567.040<\/td><td>1.080.698<\/td><td>838.119<\/td><td>693.042<\/td> <\/tr> <tr> <td>40.000.000<\/td><td>3.461.070<\/td><td>2.347.399<\/td><td>1.790.903<\/td><td>1.235.084<\/td><td>957.850<\/td><td>792.048<\/td> <\/tr> <tr> <td>45.000.000<\/td><td>3.893.704<\/td><td>2.640.824<\/td><td>2.014.766<\/td><td>1.389.469<\/td><td>1.077.581<\/td><td>891.054<\/td> <\/tr> <tr> <td>50.000.000<\/td><td>4.326.337<\/td><td>2.934.249<\/td><td>2.238.629<\/td><td>1.543.855<\/td><td>1.197.312<\/td><td>990.060<\/td> <\/tr> <tr> <td>55.000.000<\/td><td>4.758.971<\/td><td>3.227.674<\/td><td>2.462.492<\/td><td>1.698.240<\/td><td>1.317.043<\/td><td>1.089.066<\/td> <\/tr> <tr> <td>60.000.000<\/td><td>5.191.605<\/td><td>3.521.099<\/td><td>2.686.355<\/td><td>1.852.626<\/td><td>1.436.775<\/td><td>1.188.072<\/td> <\/tr> <tr> <td>65.000.000<\/td><td>5.624.238<\/td><td>3.814.524<\/td><td>2.910.218<\/td><td>2.007.011<\/td><td>1.556.506<\/td><td>1.287.078<\/td> <\/tr> <tr> <td>70.000.000<\/td><td>6.056.872<\/td><td>4.107.949<\/td><td>3.134.081<\/td><td>2.161.397<\/td><td>1.676.237<\/td><td>1.386.084<\/td> <\/tr> <tr> <td>75.000.000<\/td><td>6.489.506<\/td><td>4.401.374<\/td><td>3.357.943<\/td><td>2.315.782<\/td><td>1.795.968<\/td><td>1.485.090<\/td> <\/tr> <tr> <td>80.000.000<\/td><td>6.992.140<\/td><td>4.694.799<\/td><td>3.581.806<\/td><td>2.470.168<\/td><td>1.915.700<\/td><td>1.584.096<\/td> <\/tr> <tr> <td>85.000.000<\/td><td>7.354.773<\/td><td>4.988.224<\/td><td>3.805.669<\/td><td>2.624.553<\/td><td>2.035.431<\/td><td>1.683.102<\/td> <\/tr> <tr> <td>90.000.000<\/td><td>7.787.407<\/td><td>5.281.649<\/td><td>4.029.532<\/td><td>2.778.939<\/td><td>2.155.162<\/td><td>1.782.108<\/td> <\/tr> <tr> <td>95.000.000<\/td><td>8.220.041<\/td><td>5.575.074<\/td><td>4.253.395<\/td><td>2.933.324<\/td><td>2.274.893<\/td><td>1.881.114<\/td> <\/tr> <tr> <td>100.000.000<\/td><td>8.652.675<\/td><td>5.868.499<\/td><td>4.477.258<\/td><td>3.087.710<\/td><td>2.394.624<\/td><td>1.980.120<\/td> <\/tr> <\/table>\n\n\n\n<p class=\"wp-block-paragraph\">Simulasi menunjukkan rentang cicilan yang cukup fleksibel, sehingga UMKM dapat menyesuaikan tenor dengan ritme usaha masing-masing.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Syarat Pengajuan KUR BRI 2025<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Agar pengajuan KUR disetujui, terdapat beberapa syarat administratif dan teknis yang perlu dipenuhi. Sebagian syarat ini mengikuti ketentuan nasional, termasuk aturan pembiayaan UMKM sesuai kebijakan pemerintah.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Syarat KUR Mikro<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Individu yang menjalankan usaha produktif dan layak.<\/li>\n\n\n\n<li>Lama usaha minimal 6 bulan.<\/li>\n\n\n\n<li>Tidak sedang menerima kredit produktif dari bank lain.<\/li>\n\n\n\n<li>Administrasi lengkap: KTP, KK, surat usaha.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Syarat KUR Kecil<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Usaha produktif dan memenuhi prinsip kelayakan.<\/li>\n\n\n\n<li>Minimal 6 bulan berjalan.<\/li>\n\n\n\n<li>Tidak menerima kredit produktif lain.<\/li>\n\n\n\n<li>Memiliki izin usaha seperti IUMK.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Kedua kategori memiliki landasan regulasi yang merujuk pada ketentuan pembiayaan UMKM nasional. Berdasarkan <strong>PP No. 46 Tahun 2015<\/strong>, pemerintah menetapkan prioritas dukungan modal berbunga rendah untuk usaha mikro dan kecil.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ketentuan Pinjaman: Limit, Tenor, dan Bunga<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">KUR BRI 2025 masih menerapkan bunga efektif tahunan sebesar 6%. Ini salah satu alasan mengapa produk ini tetap diburu pelaku UMKM.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ketentuan KUR Mikro<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Maksimal pinjaman: Rp50 juta<\/li>\n\n\n\n<li>Jenis kredit:\n<ul class=\"wp-block-list\">\n<li>Kredit Modal Kerja (maksimal 3 tahun)<\/li>\n\n\n\n<li>Kredit Investasi (maksimal 5 tahun)<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Bunga: 6% per tahun<\/li>\n\n\n\n<li>Bebas provisi dan administrasi<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Ketentuan KUR Kecil<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Plafon: Rp50 juta \u2013 Rp500 juta<\/li>\n\n\n\n<li>Kredit Modal Kerja tenor 4 tahun<\/li>\n\n\n\n<li>Kredit Investasi tenor 5 tahun<\/li>\n\n\n\n<li>Bunga: 6% per tahun<\/li>\n\n\n\n<li>Memerlukan agunan sesuai ketentuan bank<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Dalam banyak penyaluran, petugas lapangan biasanya menilai karakter usaha sebelum survei lebih lanjut.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Cara Mengajukan KUR BRI 2025<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ada dua jalur pengajuan yang tersedia: online dan offline. Keduanya tetap membutuhkan verifikasi dan survei lapangan sebelum disetujui.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pengajuan Online<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Buka situs <strong>kur.bri.co.id<\/strong><\/li>\n\n\n\n<li>Pilih <em>Ajukan Pinjaman KUR<\/em><\/li>\n\n\n\n<li>Lengkapi data diri dan data usaha<\/li>\n\n\n\n<li>Unggah dokumen: KTP, KK, izin usaha, foto usaha<\/li>\n\n\n\n<li>Pilih limit pinjaman dan tenor<\/li>\n\n\n\n<li>Tunggu verifikasi dan survei<\/li>\n\n\n\n<li>Jika disetujui, dana dicairkan ke rekening BRI<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">Pengajuan Offline<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Datang ke kantor BRI terdekat<\/li>\n\n\n\n<li>Bawa dokumen lengkap<\/li>\n\n\n\n<li>Mengisi formulir permohonan<\/li>\n\n\n\n<li>Wawancara singkat dan survei lapangan<\/li>\n\n\n\n<li>Pencairan dana setelah kontrak ditandatangani<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Pada beberapa wilayah, pejabat BRI menyampaikan bahwa proses survei biasanya dipercepat untuk UMKM yang sudah menunjukkan bukti aktivitas usaha harian.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><em>\u201cKami prioritaskan UMKM yang benar-benar aktif dan membutuhkan tambahan modal, agar dampak ekonominya langsung terasa,\u201d<\/em><br><em>ujar salah satu pejabat Micro Banking BRI dalam wawancara media.<\/em><\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faq\">FAQ<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. Apakah KUR BRI 2025 bisa diajukan oleh usaha baru?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bisa, asalkan usaha sudah berjalan minimal 6 bulan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Apakah KUR BRI memerlukan agunan?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kategori Mikro tidak wajib, namun KUR Kecil memerlukan agunan sesuai kebijakan bank.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Apakah boleh memiliki kredit lain saat mengajukan?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Boleh, selama kredit tersebut adalah kredit konsumtif (KPR, KKB, kartu kredit).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Berapa bunga terbaru KUR BRI 2025?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Suku bunga tetap 6% efektif per tahun.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. Apakah pengajuan online lebih cepat disetujui?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Durasi tetap bergantung hasil survei dan kelengkapan data.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kesimpulan<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">KUR BRI 2025 menawarkan pembiayaan dengan bunga rendah, limit luas, dan simulasi angsuran yang bisa disesuaikan kemampuan usaha. Dengan memahami plafon, tenor, dan syarat pengajuan, pelaku UMKM dapat memilih skema pembiayaan yang paling aman dan efektif untuk pengembangan usahanya. Program ini tetap menjadi salah satu solusi modal paling terjangkau di 2025.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kredit Usaha Rakyat kembali menarik perhatian setelah penyaluran KUR BRI 2025 dilaporkan mencapai lebih dari &#8230; <a title=\"KUR BRI 2025 Bagi UMKM: Ini Detail Limit dan Angsuran dari Rp1 Juta sampai Rp100 Juta\" class=\"read-more\" href=\"https:\/\/banjoo.id\/blog\/berita-bank\/4255\/kur-bri-2025-bagi-umkm-ini-detail-limit-dan-angsuran-dari-rp1-juta-sampai-rp100-juta\/\" aria-label=\"More on KUR BRI 2025 Bagi UMKM: Ini Detail Limit dan Angsuran dari Rp1 Juta sampai Rp100 Juta\">Baca Selengkapnya<\/a><\/p>\n","protected":false},"author":4,"featured_media":4259,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[543],"tags":[19,279],"class_list":["post-4255","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-berita-bank","tag-bri","tag-kur","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>KUR BRI 2025 Bagi UMKM: Ini Detail Limit dan Angsuran dari Rp1 Juta sampai Rp100 Juta<\/title>\n<meta name=\"description\" content=\"UMKM bisa ajukan KUR BRI 2025 dengan limit hingga Rp100 juta. 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