Empowering Micro Enterprise Growth
Starts Here

Micro Loan

Empowering Micro Enterprise Growth Starts Here

Loan Solutions to Unlock Greater Business Opportunities

Financing for Various Business Needs

Bank Jakarta's Micro Credit comprises primary financing solutions that can be customized to your business needs: Super Micro KUR, Micro KUR, Small KUR, and Monas Micro.

Kredit Usaha Rakyat (KUR) Super Micro

Financing for start-up micro-enterprises with small-scale capital needs, featuring a credit limit of up to IDR 10,000,000 and a tenor of up to 36 months for working capital and investment purposes. Ideal for: start-up micro-businesses, home-based businesses, small traders, and emerging entrepreneurs.

Kredit Usaha Rakyat (KUR) Micro

Financing for established businesses requiring additional business capital, featuring a credit limit of above IDR 10 million up to IDR 100 million and a tenor of up to 36 months for working capital and investment purposes. Ideal for: MSMEs seeking to scale up business capacity and increase working capital.

Kredit Usaha Rakyat (KUR) Small

Financing for growing businesses requiring larger funding, featuring a credit limit of over IDR 100 million up to IDR 500 million and a tenor of up to 48 months. Suitable for productive enterprises needing financing on a larger scale.

Monas Micro

Micro-financing that offers the flexibility of secured or unsecured options, featuring a credit limit of IDR 5 million up to IDR 500 million and a tenor of up to 48 months. Ideal for JakPreneur members, market traders, MSME owners, businesses in school areas, hospitals, apartments, tourist destinations, offices, and other productive business sectors.

Transparent Interest, Low Fees, Comfortable Limits

KUR Super Micro

Description

Information:: Up to IDR 10 MillionUp to IDR 10 Million

Description	Information
Credit LimitCredit Limit	Up to IDR 10 MillionUp to IDR 10 Million
PurposePurpose	Working Capital & InvestmentWorking Capital & Investment
CollateralCollateral	Not RequiredNot Required
Working Capital TenorWorking Capital Tenor	Up to 36 MonthsUp to 36 Months
Investment TenorInvestment Tenor	Up to 60 MonthsUp to 60 Months
Administration FeeAdministration Fee	FreeFree
Provision FeeProvision Fee	FreeFree

*Latest balance tiering is effective as of September 30, 2024

Micro Credit Terms & Conditions

Individual application documents (ID Card, Taxpayer Identification Number, Family Card, Business Certificate, and other supporting documents according to the credit type)

Own an active and productive business

Open a Bank Jakarta account

Complete the financing application documents

Sign the Credit Agreement

Other Information

Product Risks and Terms

Bank Jakarta Micro Credit assists in the development of micro and small enterprises.
Customers are subject to the risk of late payments and will incur late payment penalties/fees.
The Debtor is required to fulfill all payment obligations until the credit facility is fully repaid.
Payment history may affect access to future financing.
The Bank reserves the right to take legal actions in accordance with the credit agreement in the event of a default.
For further information, please contact the Bank Jakarta Contact Center at 1500-351 or visit the nearest branch office.