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KUR (People's Business Credit) Calculator
Simulate your KUR instalment from the ceiling, rate, and tenor you enter yourself — with a full monthly schedule. Free, no signup.
Important note
This simulation uses the figures you entered. KUR interest rates, ceilings, and terms are set by the government and can change. For official figures and applications, contact a KUR distributing bank (BRI, BNI, Mandiri, etc.) or check official government sources.
KUR comes in several schemes (including Super Micro, Micro, and Small) with different ceilings and terms. The ceilings and interest rates are set by government and change over time, so this calculator deliberately does not state them — check the current terms with a distributing bank.
Your instalment simulation
Enter the annual interest rate first. Without it the instalment cannot be calculated.
This simulation uses the figures you entered and assumes a fixed rate for the whole tenor. A bank's real numbers can differ due to administration fees, provisions, insurance, and rate changes.
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Monthly amortisation schedule
Enter a loan amount and tenor to see the schedule.
Before applying for KUR
KUR is a government programme whose terms change over time. These three things matter most before you sign anything.
The terms change
KUR interest rates, ceilings, and requirements are set by government regulation that is revised periodically, and can differ between schemes and between years. That's why this calculator deliberately states no official figures — you enter them yourself after checking with a distributing bank.
It isn't free money
KUR interest is subsidised and lighter than commercial credit, but the monthly obligation is still binding. Default still affects your credit record at SLIK OJK and can make any future borrowing harder.
Size it from cash flow, not hope
The commonest mistake is taking the ceiling you're approved for rather than the one you can service. Measure the instalment against your business's proven monthly net profit, not a projection made after the loan lands. If the instalment only works when revenue rises, that's a bet, not a plan.
FAQ
Frequently asked questions
What is KUR and who can apply?
KUR (Kredit Usaha Rakyat) is a government financing programme for micro, small, and medium businesses that are productive and viable but not yet fully served by ordinary commercial credit. The interest is government-subsidised and therefore lighter. It's distributed through appointed banks such as BRI, BNI, and Mandiri. Eligibility, scheme types, and required documents vary by bank and change between periods, so confirm directly with a distributing bank.
What is the current KUR interest rate and ceiling?
This calculator deliberately doesn't state them. KUR rates and ceilings are set by government and revised over time, so a figure published today risks misleading you a few months from now. Check the current official numbers with a KUR distributing bank or an official government source, then enter them here to see your instalment simulation.
How is a KUR instalment calculated?
KUR generally uses the annuity method, so your monthly instalment stays level throughout the tenor. The formula: instalment = P × i × (1+i)^n / ((1+i)^n − 1), where P is the loan ceiling, i is the annual rate ÷ 12 ÷ 100, and n is the tenor in months. Enter your ceiling, the official rate from your bank, and the tenor above to see the instalment with its monthly principal and interest split.
Will this match the bank's instalment exactly?
Not guaranteed. This calculator computes pure principal and interest from the figures you enter. The distributing bank may apply administration fees, insurance, or other terms per the policy and KUR scheme in force when your application is processed. Use this to plan your business cash flow, then ask the bank for an official simulation before deciding.
How do I choose a safe KUR amount for my business?
Start from your business's proven monthly net profit, not an optimistic projection made after the loan arrives. Set aside a share that still leaves room for surprises and seasonal dips, then find the ceiling whose instalment fits inside it. Remember that a loan adds capacity but not customers — if the instalment only works assuming revenue grows, the ceiling is too big for where you are now.
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