Investor Presentaiton
KUR Program to Increase Access to Finance for Entrepreneurs
and SMEs
The 2023 KUR ceiling is IDR 450 trillion or adjusted to the adequacy of the KUR subsidy budget in the 2023 State
Budget, accompanied by the addition of new debtor targets and KUR distribution graduation target debtors
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KUR Policy Returns to
Before the COVID-19
Pandemic
KUR interest rate returns to 6%
without additional KUR interest
subsidy/margin of 3%
The target for KUR distribution in
the production sector is again set
at 60%.
The total return of the
accumulated Small KUR ceiling is
a maximum of IDR 500 million
Extending the KUR restructuring
policy until March 31, 2024
(according to POJK)
UMKM Indonesia
KUR Policy Encouraging
Graduation of KUR Debtors
Reduction the Super Micro KUR interest
rate from 6% to 3%
Maximum limit for Micro KUR access:
➤ Non-production sectors and non-
agricultural production sectors,
plantations, livestock and fisheries: a
maximum of 2 (two) times Micro KUR
access
a
Agricultural, plantation, livestock and
fisheries production sectors:
maximum of 4 (four) Micro KUR access
Micro KUR and Small KUR interest
rates/margins increase in stages (KUR
interest subsidies slide/decrease in
stages)
KUR Policy to Expand Distribution
and Encourage an Increase in KUR
Debtors
Confirmation of the implementation of KUR without
additional collateral for the KUR ceiling up to. IDR
100 million by imposing non-payment sanctions
and/or returning interest subsidies/margin subsidies.
Affirmation of the requirements for prospective KUR
Recipients to never receive commercial
investment/working capital loans (except consumer
loans which are excluded).
Changes in provisions related to Employment BPJS,
Small KUR Recipients and Special KUR with a ceiling
of more than IDR 100 million have changed the
phrase from before it can become mandatory to
become BPJS Employment participants.
Adding subrogation cooperation to the PKS online
KUR guarantee system.
The addition of new debtor targets and KUR
distribution graduation target debtors, with a 2023
KUR ceiling of IDR 450 trillion or a ceiling according
to the adequacy of the 2023 State Budget.
Additional GWM incentives for KUR distributionView entire presentation