Check the ceiling, requirements, simulations and installment tables of KUR BSI 2025. Find tips on passing the submission of KUR BSI and how to check the credit score so that it is quickly approved.
Indonesian Sharia Bank Business Credit (KUR) or KUR BSI is one of the favorite choices of MSMEs in 2025. The reason is clear, use sharia principles without usury, low margin, and flexible tenors, making this program is very suitable for you who want to develop a business or just need additional working capital.
This year, the KUR BSI ceiling starts from Rp. 1 million to Rp. 500 million, with a choice of tenor 12, 24, to 48 months. So, want small or large capital, everything can be adjusted to the needs. Well, so it’s not wrong to count and stay safe in cash flow, consider the following latest KUR BSI installment simulation.
Also read: Knowing Working Capital Credit (KMK): Types and Terms of Submission at the Bank
KUR BSI Type: Which one is trying?
| KUR type | Ceiling | Suitable for… | Main advantage |
| Super micro | ≤ IDR 10 million | Micro/Beginner Enterprises | Without collateral, light requirements |
| Micro | IDR 10 million – IDR 100 million | Active MSMEs, need greater capital | Without collateral for ceiling ≤ Rp100 million |
| Small | IDR 100 million – IDR 500 million | Business ready to expand/large investment | Large ceiling, suitable for expansion |
Before checking the Indonesian Islamic Bank (BSI) KUR installment table, BSI offers three variants of Sharia People’s Business Credit Program (KUR), with ceiling and different business actors. All made easy and without administrative costs, make it easier for you to take steps in the future:
1. KUR Super Micro
KUR Super Micro has a financing ceiling of up to Rp10 million and is specifically designed for micro or beginner businesses who only require additional small capital. This product usually does not require collateral, thus facilitating the submission process. You can register through the Digital Salam application or come directly to the BSI branch closest to the fast and simple procedure.
2. Micro settings
This type offers a ceiling of between Rp. 10 million to Rp. 100 million, suitable for MSMEs that have been running for at least six months and require greater capital to support operations or invest. The advantage, for ceiling up to Rp100 million, usually there is no obligation to submit collateral according to government policy. The submission process was fairly easy and fast, making it popular among small and medium entrepreneurs.
3
With ceiling ranging from Rp100 million to Rp500 million, small KUR targets business actors who are ready to make large expansion or long -term investment. Because the amount of financing is quite large, the required document preparation is also more complete, including NPWP and collateral documents. Even so, this product provides a great opportunity to develop businesses to a higher level.
KUR BSI installment table
1. Super Micro BSI KUR Installment Table
| Loan ceiling | 12 months | 24 months | 36 months |
| Rp1,000,000 | IDR 85,000 | Rp43,333 | Rp29,444 |
| Rp. 2,000,000 | Rp170,000 | Rp86,666 | Rp58,888 |
| IDR 3,000,000 | Rp. 255,000 | Rp129,999 | Rp88,332 |
| IDR 4,000,000 | Rp340,000 | Rp173,332 | Rp117,776 |
| IDR 5,000,000 | Rp425,000 | Rp216,667 | Rp147,220 |
| IDR 6,000,000 | Rp510,000 | Rp260,000 | Rp176,664 |
| Rp. 7,000,000 | Rp595,000 | Rp303,333 | Rp206,108 |
| IDR 8,000,000 | Rp680,000 | Rp346,666 | Rp235,552 |
| IDR 9,000,000 | Rp765,000 | Rp389,999 | Rp264,996 |
| IDR 10,000,000 | IDR 850,000 | Rp433,334 | Rp294,440 |
2. BSI Micro KUR Installment Table
| Loan ceiling | 12 months | 24 months | 36 months |
| IDR 10,000,000 | IDR 850,000 | Rp433,334 | Rp294,444 |
| Rp. 20,000,000 | Rp1,700,000 | Rp866,668 | Rp588,888 |
| IDR 30,000,000 | Rp2,550,000 | Rp1,300.002 | Rp883,332 |
| IDR 40,000,000 | Rp3,400,000 | Rp1,733,336 | Rp1,177,776 |
| IDR 50,000,000 | IDR 4,250,000 | Rp2,166,670 | Rp1,472,220 |
| Rp. 60,000,000 | Rp5,100,000 | Rp2,600,004 | Rp1,766,664 |
| Rp. 70,000,000 | Rp5,950,000 | Rp3,033,338 | Rp2,061,108 |
| IDR 80,000,000 | Rp6,800,000 | Rp3,466,672 | Rp2,355,552 |
| Rp90,000,000 | Rp7,650,000 | Rp3,900,006 | Rp2,649,996 |
| Rp. 100,000,000 | Rp8,500,000 | Rp4,333,340 | Rp2,944,440 |
3. Small KUR Installment Table Bsi
| Loan ceiling | 12 months | 24 months | 36 months | 48 months |
| Rp150,000,000 | Rp12,750,000 | Rp6,500,010 | Rp4,416,660 | Rp3,375,000 |
| Rp. 200,000,000 | Rp. 17,000,000 | Rp8,666,680 | Rp5,888,880 | Rp4,500,000 |
| Rp. 250,000,000 | Rp21,250,000 | Rp10,833,350 | Rp7,361,100 | Rp5,625,000 |
| Rp. 300,000,000 | Rp. 25,500,000 | Rp. 13,000,020 | Rp8,833,320 | Rp6,750,000 |
| Rp350,000,000 | Rp29,750,000 | Rp15,166,690 | Rp10,305,540 | Rp7,875,000 |
| IDR 400,000,000 | Rp34,000,000 | Rp17,333,360 | Rp. 11,777,760 | IDR 9,000,000 |
| Rp450,000,000 | Rp38,250,000 | Rp19,500,030 | Rp13,249,980 | Rp10,125,000 |
| IDR 500,000,000 | Rp42,500,000 | Rp21,666,700 | Rp14,722,200 | Rp. 11,250,000 |
💡 Note: The installment value can change following the official provisions of BSI and government interest subsidy policies.
Also Read: More Profits Antam Gold Investment or Pegadaian? Beginners must know!
General requirements for submitting BSI KUR
- Indonesian citizen (Indonesian citizens)
- Minimal age 21 years or married
- Minimal active effort 6 months
- Photocopy Etc., KK, NPWP (if asked)
- Business Legality (SKU/SIUP)
- Collateral according to BSI policy
Tips for passing the submission of KUR BSI
- Make sure the business is active and has a stable cash flow.
The bank will trust more financing if your business runs consistently and has a clear income every month. - Choose the ceiling according to the ability to pay, don’t force too much.
Calculate the installments that can be paid without disturbing operational finances, so as not to have difficulty in the middle of the road. - Complete all documents so that the process is fast.
Starting from KTP, KK, to business documents, make sure everything is ready and valid to facilitate approval. - Check your credit score first.
A healthy credit score will increase the opportunity to be approved. You can check it through services like Scorelife To know your position in the eyes of the bank. In addition, Skillife also has a feature to check the loan history to the opportunity to apply for credit, so you can prepare yourself before submitting KUR.
Also read: Definition of Liabilities and Types of Obligations in Finance
Conclusion
KUR BSI 2025 is present as a solution for sharia financing with low margins and flexible tenor options. Starting from the ceiling of Rp. 1 million for small capital, up to Rp. 500 million for large business expansion. By looking at the installment simulations above, you can more easily measure the ability to pay before submitting, so you are not surprised in the middle of the road.
And no less important, make sure your credit score is safe. First check through the Skillife so that you know your position in the eyes of the bank, plus you get tips for fixing the score. So, when the submission, everything is smooth without drama.
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Originally posted 2025-08-23 17:37:49.
