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KUR aims to improve and expand Bank services to productive MSMEs, increase the competitiveness of MSMEs, encourage economic growth and employment, and alleviate poverty.

People’s Business Credit (KUR) is credit / financing provided by banks to MSMEs that are feasible but not yet bankable. In general, credit financing will be divided into 4, namely: Meanwhile, a business is said to be a medium-sized business if its total assets are between 500 million Rupiah to 10 billion Rupiah or the entrepreneur has an annual income of around 2.5 billion Rupiah to 50 billion Rupiah. Then, a business is said to be a small business if it has total assets of between 50 million Rupiah and 500 million Rupiah and the entrepreneur has an income of between 300 million Rupiah to 2.5 billion. If it reaches 300 million Rupiah per year, then it is classified as a micro entrepreneur. In addition to calculating the total wealth of the business, it can also be calculated based on the income of the entrepreneur. A business is said to be a micro business if it has total assets of at most 50 million Rupiah and does not include the calculation of land and buildings for business premises. However, it is important to understand whether your company is included in the MSME category according to Law No.20 The year 2008 explains in essence: an UMKM business is a productive business owned by an individual and / or an individual business entity that meets the criteria of a Micro Business as regulated in this Law. Financial institutions activities from the financing business include: In UMKM, capital in general will only relate to financing companies and Consumer Financing which is described in article 3 of the Presidential Decree. “Consumer finance (Consumer Finance) is a financing activity for the procurement of goods based on consumer needs with payment in installments. “Financing Institutions are business entities that carry out financing activities in the form of provision of funds or capital goods.” while a finance company is a business entity specifically established to conduct business leasing, factoring, consumer financing and / or credit card businesses. 9 of 2009 concerning financing institutions and the Decree of the Minister of Finance of the Republic of Indonesia Number: 1251 / KMK.03 / 1988, in this regulation it is explained that the definition of a financing institution is: The regulation regarding financing institutions is basically regulated in Presidential Decree No. It should be understood that the four capital alternatives above are a form of financing institution.

the business capital loan from the government, namely KUR, still offers the lowest interest rates due to subsidies.

Paylater can be used by entrepreneurs as working capital to finance operational expenses.

electronic wallet company or e money non-banks launched installments without a credit card or PayLater.

By analyzing merchant behavior data stored on the platform and collaborating with lending partners, e-commerce offers an attractive loan scheme for business capital.

company e-commerce is one of the parties that can provide business capital loans for merchants selling on e-commerce platforms.

Not a few P2P fintechs offer business capital loans with more attractive schemes than banks.

fintech P2P Lending offers fast and easy online loan processes.

To understand capital, it is necessary to explain the types and types of capital suitable for MSMEs, including: Today there are many alternatives and many effective ways to get additional capital apart from the facilities provided by banks.

Hello Pakleg, I want to ask, I am a new business that wants to apply for a capital loan, but today there are many alternatives and I am afraid of certainty in financing, can I ask for a brief explanation of MSME business credit and the requirements? (Asya, Attack)Īnswer: Capital is one of the important aspects in developing a business.