The long-awaited news has finally arrived for those who need additional funds for business capital.
Quickly apply for loan collateral from BNI, there is Rp. 32 trillion in funds ready to be distributed on the condition that it is made easier.
The loans without collateral or collateral from the government through BNI bank are in the form of KUR (People's Business Credit).
BNI can increase the KUR quota quite large in 2021.
The total KUR ration entrusted by the government for BNI to distribute reached Rp 32 trillion.
This number is an increase of 45.4% when compared to the 2020 quota of IDR 22 trillion.
The increase in the quota is also in line with the government's decision to increase the KUR ceiling for Micro, Small, and Medium Enterprises (MSMEs).
The total KUR ceiling in 2021 reaches Rp. 253 trillion, an increase of 15% from the 2020 budget, which is Rp. 220 trillion, which is channeled by state banks.
Dikuitf from kontan.co.id, GM of BNI's Small Business Division-2 Bambang Setyatmojo said that his party had made thorough preparations to distribute KUR which would be focused on the agricultural, industrial, and service sectors.
"There are several strategies that we have prepared. First, digitizing business processes to increase speed and accuracy," he told Kontan. co. id, Tuesday (5/1).
Then, BNI will add to the service network both online and through KUR breaker outlets.
The company will also collaborate with business partners or value chains from BNI debtors and also with third-party partners, including fintech.
"With the trend of increasing demand and distribution capabilities that have returned to normal since July 2020, we are optimistic that we can help provide easier KUR access for MSME players," said Bambang.
Quickly apply for loan collateral from BNI, there is Rp. 32 trillion in funds ready to be distributed on the condition that it is made easier.
The loans without collateral or collateral from the government through BNI bank are in the form of KUR (People's Business Credit).
BNI can increase the KUR quota quite large in 2021.
The total KUR ration entrusted by the government for BNI to distribute reached Rp 32 trillion.
This number is an increase of 45.4% when compared to the 2020 quota of IDR 22 trillion.
The increase in the quota is also in line with the government's decision to increase the KUR ceiling for Micro, Small, and Medium Enterprises (MSMEs).
The total KUR ceiling in 2021 reaches Rp. 253 trillion, an increase of 15% from the 2020 budget, which is Rp. 220 trillion, which is channeled by state banks.
Dikuitf from kontan.co.id, GM of BNI's Small Business Division-2 Bambang Setyatmojo said that his party had made thorough preparations to distribute KUR which would be focused on the agricultural, industrial, and service sectors.
"There are several strategies that we have prepared. First, digitizing business processes to increase speed and accuracy," he told Kontan. co. id, Tuesday (5/1).
Then, BNI will add to the service network both online and through KUR breaker outlets.
The company will also collaborate with business partners or value chains from BNI debtors and also with third-party partners, including fintech.
"With the trend of increasing demand and distribution capabilities that have returned to normal since July 2020, we are optimistic that we can help provide easier KUR access for MSME players," said Bambang.
BANK BNI KUR SUBMISSION REQUIREMENTS
While there are still many available, immediately apply for and requirements for KUR at three BNI Banks:
According to the official website of BNI, BNI People's Business Credit is given the convenience of fast processing with a nominal value of more than IDR 10 million to IDR 50 million.
It can be paid in installments of up to 60 months and an effective low-interest rate of 6% per year and no additional guarantee is required.
General requirements for individual KUR Micro BNI applicants
a. Debtor Criteria
- Individuals or business entities in this case Micro, Small, and Medium Enterprises (MSMEs)
- Family members of employees who have fixed income or work as Indonesian workers (TKI), TKI who have retired from working abroad, and workers who have been laid off (PHK), who are doing productive and feasible business but do not have collateral additional or additional collateral is not enough.
b. Business Licensing
Individuals or individual business entities: at least a Micro and Small Business License (IUMK) issued by the Regional Government and/or a business certificate from the local Kelurahan or another permit.
Business entities other than the point above refer to BNI regulations.
c. Bank Credit Quality (if any) is current.
d. Minimum 6 (six) months business experience.
e. The age of the applicant (especially for individual / individual applicants) is at least 21 years old or not yet 21 years old but already married.
f. Not currently receiving productive credit from banks and/or not receiving program credit from the Government (except KUR).
g. NPWP: Not required.
h. Guarantee: No additional guarantees are required.
