QUICK SUMMARY (Key Takeaways):
- CeilingIDR 50 Millionis the maximum limit for KUR Mikro whichfree administration & provision fees.
- The cash transferred to the customer’s account is100% intact(Rp 50,000,000).
- The 5-year installment tenor is atRp 966,700per month.
- Additional collateral is not required (unsecured loan), only business eligibility and SKU/NIB documents are needed.
Sunday, December 14, 2025– Sunday is the perfect time to create a business financial plan. For those of you targeting working capital ofIDR 50 Million, you are targeting the “Primadona” product from KUR BRI.
Why is it called a primadonna? In the schemeBRI KUR Table 2025, the figure of 50 million is the meeting point between the maximum unsecured limit and administrative ease (fee-free).
Installment Simulation Table (6% Effective Interest)
Here are the details of the “Paper Count” that you can use as a reference before going to the bank tomorrow:
| Tenor (Term) | Monthly Installment | Estimated Total Interest (Annual) |
|---|---|---|
| 12 Months (1 Year) | Rp 4,303,400 | ± Rp 1.6 million |
| 18 Months (1.5 Years) | Rp 2,919,900 | ± Rp 2.5 Million |
| 24 Months (2 Years) | IDR 2,228,200 | ± Rp 3.4 Million |
| 36 Months (3 Years) | Rp 1,536,400 | ± IDR 5.3 Million |
| 48 Months (4 Years) | Rp 1,190,500 | ± Rp 7.1 Million |
| 60 Months (5 Years) | Rp 966,700 | ± IDR 8 Million |
“Whole Liquid” Benefits
One of the biggest advantages of taking a 50 million ceiling (compared to taking 55 or 60 million) isNo Deduction.
- If you borrow Rp 50 Million, money in your account = Rp 50,000,000.
- If you borrow Rp 60 Million (Small KUR), there are usually upfront administration, provision, and insurance fees deducted, so the money received is not the full amount.
Document Requirements (Prepare Today)
If tomorrow is Monday and the process goes smoothly, make sure this document is in the folder:
- Husband and Wife ID Card (Original & Photocopy).
- Family Card (KK) & Marriage Certificate.
- Business Certificate (SKU) from the Village/Sub-district or NIB.
- 4×6 Photo
