Bank Kalbar and Mandiri Detail KUR Loan Requirements for UMKM

Bank Kalimantan Barat (Bank Kalbar) and Bank Mandiri explain the government‑subsidised Kredit Usaha Rakyat (KUR) programmes available to micro, small and medium enterprises in Indonesia. Bank Kalbar outlines three KUR tiers – Super Mikro (up to Rp10 million), Mikro (Rp10‑100 million) and Kecil (Rp100‑500 million) – and lists eligibility such as Indonesian citizenship, at least six months of active business, clean credit history and required documents including identity papers, business registration and tax numbers. Bank Mandiri describes common reasons for KUR application rejections, including poor credit records, incomplete documentation, insufficient business duration, lack of collateral and high debt ratios, and offers solutions like improving credit, completing paperwork, strengthening business prospects and consulting the bank. Both banks emphasize that applicants should prepare a solid business proposal and maintain a good relationship with the lender to improve approval chances.