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AgriTech AI AirTech All News Apple Artificial Intelligence AviationTech B2B BeautyTech Blockchain

Recent

35+ Mac apps – build your own bundle from $2.50
Issue Subscribed 5% On Day 1 So Far
Lehar Footwears announced H1FY26 and Q2FY26 results, Reports Strong Revenue and PAT Growth
Grab to invest $60m in Vay’s remote-driven EV service
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What Are You Looking For?

AgriTech AI AirTech All News Apple Artificial Intelligence AviationTech B2B BeautyTech Blockchain

Recent

35+ Mac apps – build your own bundle from $2.50
Issue Subscribed 5% On Day 1 So Far
Lehar Footwears announced H1FY26 and Q2FY26 results, Reports Strong Revenue and PAT Growth
Grab to invest $60m in Vay’s remote-driven EV service
Business and Finance

Pinjaman KUR BRI 2025: Sisa Plafon Rp 60 Triliun Masih Tersedia, Cek Cara Pengajuan dan Tabel Angsuran Terbaru

Kabar baik bagi pelaku UMKM di seluruh Indonesia! Program Kredit Usaha Rakyat atau Pinjaman KUR BRI tahun 2025 masih memiliki sisa plafon besar, yakni sekitar Rp 60 triliun hingga Desember mendatang. Berdasarkan laporan terbaru dari Kontan.co.id, PT Bank Rakyat Indonesia (Persero) Tbk menegaskan bahwa dana tersebut siap disalurkan untuk mendukung pertumbuhan usaha mikro, kecil, dan menengah di berbagai sektor produktif.

Hingga Agustus 2025, pinjaman KUR BRI telah mencapai Rp 114,28 triliun kepada lebih dari 2,5 juta debitur, atau sekitar 65% dari total alokasi Rp 175 triliun untuk tahun ini. Artinya, masih banyak peluang terbuka bagi masyarakat yang ingin mengajukan pembiayaan usaha dengan bunga rendah dan syarat ringan.

Fokus Penyaluran ke Sektor Produktif

Penyaluran pinjaman KUR BRI tahun ini sebagian besar diarahkan ke sektor produktif seperti pertanian, perikanan, perdagangan, industri, dan jasa. Dari data yang dirilis, sekitar 64% penyaluran KUR BRI mengalir ke sektor-sektor tersebut. Sektor pertanian menjadi penerima terbesar dengan nilai pembiayaan mencapai lebih dari Rp 50 triliun atau hampir separuh dari total penyaluran.

Langkah ini sejalan dengan komitmen BRI untuk memperkuat sektor riil nasional serta menjaga ketahanan pangan di tengah ketidakpastian ekonomi global. Pihak BRI juga menegaskan bahwa pinjaman KUR BRI bukan hanya sekadar program kredit, tetapi juga instrumen penting untuk pemerataan ekonomi masyarakat di seluruh pelosok negeri.

Jenis dan Bunga Pinjaman KUR BRI 2025

Program pinjaman KUR BRI 2025 terbagi menjadi tiga jenis utama:

  1. KUR Mikro, dengan batas pinjaman hingga Rp 100 juta.
  2. KUR Kecil, untuk pelaku usaha yang ingin memperluas kapasitas bisnisnya.
  3. KUR TKI, ditujukan bagi calon tenaga kerja Indonesia yang akan bekerja di luar negeri.

Semua jenis KUR BRI 2025 memiliki bunga kompetitif sebesar 6% per tahun, menjadikannya salah satu produk pembiayaan dengan bunga terendah di pasar.

Cara Mengajukan Pinjaman KUR BRI 2025

Calon debitur kini dapat mengajukan pinjaman KUR BRI secara offline maupun online. Untuk pengajuan langsung, nasabah cukup membawa KTP, Nomor Induk Berusaha (NIB), dan surat keterangan usaha ke kantor cabang BRI terdekat.

Sementara untuk pengajuan online, langkah-langkahnya sangat mudah:

  1. Kunjungi laman resmi kur.bri.co.id.
  2. Klik “Ajukan Pinjaman”.
  3. Daftar atau login dengan akun yang telah terverifikasi.
  4. Isi data pribadi dan data usaha sesuai formulir yang tersedia.
  5. Unggah dokumen pendukung seperti KTP, surat keterangan usaha, dan foto tempat usaha.
  6. Tentukan jumlah pinjaman serta tenor, lalu klik “Hitung Angsuran”.
  7. Setelah disetujui, nasabah akan dihubungi untuk verifikasi lapangan sebelum pencairan dana dilakukan.

Tabel Angsuran KUR BRI 2025 Terbaru

Sebagai referensi, berikut simulasi angsuran KUR BRI 2025 untuk berbagai plafon pinjaman dengan bunga tetap 6% per tahun:

Plafon Pinjaman12 Bulan24 Bulan60 Bulan
Rp 10 jutaRp 883.333Rp 466.667Rp 216.667
Rp 30 jutaRp 2.650.000Rp 1.400.000Rp 650.000
Rp 50 jutaRp 4.416.667Rp 2.333.333Rp 1.083.333
Rp 100 jutaRp 8.833.333Rp 4.666.667Rp 2.166.667

Angka ini bersifat simulatif dan bisa sedikit berbeda tergantung ketentuan internal BRI saat pengajuan.

Kesimpulan: Kesempatan Emas untuk UMKM

Dengan sisa plafon Rp 60 triliun dan bunga ringan, pinjaman KUR BRI 2025 menjadi peluang emas bagi pelaku usaha kecil yang ingin mengembangkan bisnisnya tanpa beban berat. Proses yang mudah, suku bunga rendah, serta dukungan pemerintah menjadikan KUR BRI salah satu instrumen keuangan paling diminati tahun ini.

Jika Anda seorang pengusaha UMKM, segera manfaatkan kesempatan ini sebelum plafon habis!

Ingin update berita bisnis, startup, dan ekonomi terbaru?

Kunjungi StartupNews.fyi untuk informasi terkini seputar dunia usaha dan inovasi teknologi.

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