Agricultural KUR 2025: Affordable Credit Solutions for Farmers

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KUR Pertanian

Agricultural KUR 2025: Affordable Credit Solutions for Farmers

Introduction

Access to affordable capital is often a major challenge for farmers in developing their agricultural businesses. To address this issue, the Indonesian government launched the Kredit Usaha Rakyat (KUR) program, or People’s Business Credit, specifically designed to support farmers, breeders, and agricultural entrepreneurs. With low interest rates and flexible requirements, Agricultural KUR 2025 is expected to boost productivity and improve farmers’ welfare.

What is Agricultural KUR?

Agricultural KUR is a government-backed loan facility that provides low-interest financing for small and medium-scale farmers. Unlike conventional bank loans, KUR is supported by government guarantees, making it easier for farmers with limited collateral to access working capital.

Key Features of Agricultural KUR 2025:

  • Low Interest Rate: Only 6% per year (0.5% per month).

  • Loan Ceiling: Up to IDR 500 million depending on the scale of the business.

  • Flexible Tenure: 1 to 5 years based on business type and crop cycle.

  • Government Support: Loan guarantee provided by the government to reduce farmers’ risk.

Benefits of Agricultural KUR for Farmers

  1. Affordable Financing
    Farmers can obtain loans with lower interest compared to private bank loans.

  2. Easier Access to Capital
    Farmers who lack collateral can still apply since the government guarantees a portion of the loan.

  3. Boost in Productivity
    With sufficient capital, farmers can invest in seeds, fertilizers, machinery, and irrigation systems that significantly increase yields.

  4. Business Expansion Opportunities
    Farmers can diversify their businesses, from crop farming to livestock and horticulture, with the support of KUR funding.

How to Apply for Agricultural KUR

Applying for KUR Pertanian is relatively simple and can be done through banks that have partnered with the government, such as BRI, BNI, and Mandiri.

Application Steps:

  1. Prepare documents: ID card, Family Card (KK), Farmer Group membership (if available), and a simple business plan.

  2. Visit the nearest bank branch that offers KUR services.

  3. Fill out the application form and submit supporting documents.

  4. Wait for the verification process by the bank.

  5. Once approved, funds will be disbursed directly into your account.

Conclusion

Agricultural KUR 2025 is more than just a loan—it is a strategic solution for farmers to improve productivity, expand agribusiness, and increase income. With government-backed guarantees and low interest rates, KUR Pertanian provides farmers with greater opportunities to develop their farms sustainably.

By maximizing this facility, Indonesian farmers can achieve greater self-reliance while supporting national food security.

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