Tabel Angsuran KUR BRI Terbaru: Cek Simulasi & Syarat!

Oct 14, 2025 by HITNEWS 55 views

Are you guys curious about the latest KUR BRI installment table? If you're planning to apply for a People's Business Credit (KUR) from BRI, understanding the installment scheme is super important. This article will break down everything you need to know about the KUR BRI installment table, including simulations, interest rates, requirements, and tips for a smooth application. So, let's dive in and explore how you can use KUR BRI to boost your business!

Memahami KUR BRI dan Mengapa Ini Penting

Before we jump into the installment table, let's first understand what KUR BRI is and why it's such a big deal for Indonesian entrepreneurs. KUR BRI, or Kredit Usaha Rakyat BRI, is a loan program designed by the government to support micro, small, and medium-sized enterprises (MSMEs). It offers low-interest rates and relatively easy requirements, making it a popular choice for business owners looking to expand their operations or start new ventures.

Manfaat KUR BRI untuk Bisnis Anda

There are numerous benefits to taking out a KUR BRI loan. Firstly, the low interest rates can significantly reduce your borrowing costs compared to conventional loans. This means you can allocate more funds to other critical areas of your business, such as purchasing inventory, investing in equipment, or hiring staff. Secondly, KUR BRI offers flexible repayment terms, allowing you to choose a repayment schedule that aligns with your business's cash flow. This flexibility can help you manage your finances more effectively and avoid the stress of tight repayment deadlines. Thirdly, KUR BRI can improve your creditworthiness, making it easier to access other financial products and services in the future. A good credit history is essential for long-term business growth, and KUR BRI can be a stepping stone towards building a strong financial foundation.

Jenis-Jenis KUR BRI yang Tersedia

BRI offers several types of KUR to cater to different business needs and scales. Understanding the different types is crucial in choosing the one that best suits your situation. The main types include:

KUR Mikro: This is designed for micro-enterprises with small loan amounts and simple requirements. It's perfect for small businesses just starting or those needing a small capital injection.
KUR Kecil: This type is for small businesses needing larger loan amounts than KUR Mikro. It often comes with slightly more stringent requirements but offers higher loan ceilings.
KUR TKI: Specifically for Indonesian workers seeking to work abroad. This helps cover placement fees and initial expenses.
KUR Khusus: Tailored for specific sectors or industries, often with unique terms and conditions. For example, there might be special KUR programs for agriculture or fisheries.

Choosing the right type of KUR is essential for maximizing its benefits. Consider your business's size, financial needs, and long-term goals when making your decision.

Tabel Angsuran KUR BRI: Simulasi dan Perhitungan

Now, let's get to the heart of the matter: the installment table. Understanding how the installments are calculated is crucial for budgeting and financial planning. The installment amount depends on several factors, including the loan amount, interest rate, and loan tenor (repayment period). KUR BRI typically offers tenors ranging from 12 months to 60 months, giving you flexibility in choosing a repayment schedule that fits your financial capacity.

Faktor-Faktor yang Mempengaruhi Angsuran

Several factors influence the installment amount you'll pay each month. The most important ones are:

Loan Amount: The higher the loan amount, the higher the monthly installments. This is a straightforward relationship, so consider carefully how much capital you genuinely need.
Interest Rate: KUR BRI offers subsidized interest rates, which are significantly lower than commercial loan rates. However, the specific interest rate can vary depending on the type of KUR and government regulations. Understanding the applicable interest rate is crucial for accurate installment calculations.
Loan Tenor: The loan tenor is the repayment period. A longer tenor means lower monthly installments but higher total interest paid over the loan's life. A shorter tenor results in higher monthly installments but lower total interest costs. Choosing the right tenor involves balancing affordability with overall cost.

Contoh Simulasi Tabel Angsuran

To give you a clearer picture, let's look at a sample installment table. Keep in mind that these figures are approximate and can vary based on BRI's prevailing interest rates and terms. This simulation assumes an interest rate of 6% per annum, which is a common rate for KUR BRI.

Loan Amount (Rp)	12 Months (Rp)	24 Months (Rp)	36 Months (Rp)	48 Months (Rp)	60 Months (Rp)
10,000,000	860,664	443,206	304,219	234,852	193,328
25,000,000	2,151,660	1,108,016	760,547	587,130	483,320
50,000,000	4,303,320	2,216,033	1,521,095	1,174,260	966,640
100,000,000	8,606,640	4,432,066	3,042,191	2,348,520	1,933,280

This table illustrates how the monthly installment changes based on the loan amount and tenor. For example, if you borrow Rp 25,000,000 and choose a 36-month tenor, your monthly installment would be approximately Rp 760,547. Use this table as a guide, but always confirm the exact figures with BRI.

Cara Menghitung Angsuran KUR BRI

While the table above provides a quick reference, you can also calculate the installments yourself. The formula for calculating monthly installments for a loan with a fixed interest rate is:

M = P [ i(1 + i)^n ] / [ (1 + i)^n – 1]

Where:

M = Monthly installment
P = Principal loan amount
i = Monthly interest rate (annual interest rate divided by 12)
n = Number of months (loan tenor)

Let's break this down with an example. Suppose you want to borrow Rp 50,000,000 with a 6% annual interest rate and a 48-month tenor. First, calculate the monthly interest rate: 6% / 12 = 0.005. Then, plug the values into the formula:

M = 50,000,000 [ 0.005(1 + 0.005)^48 ] / [ (1 + 0.005)^48 – 1] M ≈ Rp 1,174,260

This matches the approximate figure in our table. While the formula might seem daunting, using a calculator or spreadsheet can make the calculation straightforward. Understanding the formula helps you grasp how the different factors influence your monthly payments.

Syarat dan Cara Pengajuan KUR BRI

Okay, so you've checked the installment table and figured out how much you can comfortably repay each month. Now, what are the requirements for applying for KUR BRI, and how do you go about the application process? Let's break it down step by step.

Syarat-Syarat Pengajuan KUR BRI

The specific requirements for KUR BRI can vary depending on the type of KUR you're applying for, but generally, the following documents and criteria are required:

Identity Card (KTP): You'll need a copy of your valid KTP.
Family Card (KK): A copy of your family card is also required.
Business License (e.g., SIUP, TDP, or equivalent): This proves that your business is legally operating. If you're just starting, BRI might offer guidance on obtaining the necessary permits.
Tax Identification Number (NPWP): This is usually required for loan amounts above a certain threshold. Check with BRI for the specific limit.
Business Financial Statements (if applicable): If your business has been operating for some time, you might need to provide financial statements like income statements and balance sheets.
Collateral (if required): Some KUR types might require collateral, such as land or vehicles. However, many KUR schemes for smaller loans don't require collateral.
Other Supporting Documents: BRI might request additional documents depending on your specific situation and the type of KUR you're applying for.

It's always a good idea to prepare these documents in advance to streamline the application process.

Langkah-Langkah Pengajuan KUR BRI

The application process for KUR BRI typically involves these steps:

Visit a BRI Branch: Start by visiting your nearest BRI branch. It's best to choose a branch that handles KUR applications.
Consult with a Loan Officer: Speak to a loan officer and explain your business needs and the type of KUR you're interested in. They can provide guidance and answer your questions.
Submit Application and Documents: Fill out the KUR application form and submit it along with all the required documents.
Credit Assessment: BRI will assess your creditworthiness and the feasibility of your business plan. This might involve a site visit to your business location.
Loan Approval: If your application is approved, BRI will notify you and schedule a loan agreement signing.
Loan Disbursement: Once the loan agreement is signed, the funds will be disbursed to your account.

The entire process can take a few weeks, so be patient and responsive to any requests from BRI.

Tips Agar Pengajuan KUR BRI Disetujui

Getting your KUR BRI application approved requires some preparation and attention to detail. Here are some tips to increase your chances of success:

Susun Rencana Bisnis yang Matang

A well-structured business plan is crucial. It demonstrates that you've thought through your business idea and have a clear strategy for success. Your business plan should include:

Executive Summary: A brief overview of your business.
Company Description: Details about your business, its products or services, and its target market.
Market Analysis: An assessment of your industry, competitors, and market trends.
Marketing and Sales Strategy: How you plan to attract and retain customers.
Operational Plan: How you'll manage your day-to-day operations.
Financial Projections: Forecasts of your revenue, expenses, and profitability.

A solid business plan shows BRI that you're serious about your business and have a realistic plan for repaying the loan.

Jaga Rekam Jejak Keuangan yang Baik

BRI will review your credit history and financial records. Maintaining a good credit score and avoiding late payments on other loans will significantly improve your chances of approval. If you have existing debts, make sure you're managing them responsibly.

Siapkan Dokumen dengan Lengkap dan Akurat

Ensure that you have all the required documents and that they are accurate and up-to-date. Incomplete or inaccurate documents can delay the application process or even lead to rejection. Double-check everything before submitting your application.

Ajukan Sesuai dengan Kebutuhan

Apply for a loan amount that aligns with your actual business needs. Applying for more than you need can raise red flags for the bank. Be realistic about your repayment capacity and choose a loan amount that you can comfortably afford.

Jalin Komunikasi yang Baik dengan Pihak Bank

Maintain open and clear communication with the loan officer at BRI. If they have questions or need additional information, respond promptly. Building a good relationship with the bank can make the process smoother.

Kesimpulan

So, there you have it, guys! A comprehensive guide to understanding the KUR BRI installment table, requirements, and application process. Applying for KUR BRI can be a game-changer for your business, providing the capital you need to grow and thrive. Remember to carefully consider your financial needs, choose the right type of KUR, and prepare a solid application. With the right planning and execution, you can leverage KUR BRI to achieve your business goals. Good luck!