KUR BSI 2025, Alternative Sharia Business Capital that is Safe and Riba Free for MSMEs

POSKOTA.CO.ID – For Micro, Small and Medium Enterprises (MSMEs), access to business capital is often the main challenge in developing a business.

In the midst of increasing financing needs, some business actors choose to be wary of interest-based loans because they are considered to be contrary to sharia principles.

In this context, Bank Syariah Indonesia People’s Business Credit (KUR) or KUR BSI appears as an increasingly relevant halal financing alternative.

The BSI KUR program is specifically designed to help MSMEs obtain additional business capital through a transparent, fair and usury-free sharia financing scheme. With this approach, business actors not only get financial support, but also peace of mind in running their business according to Islamic economic principles.

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KUR BSI: Sharia Financing Support for Micro and Small Enterprises

Bank Syariah Indonesia (BSI) as the largest sharia bank in the country continues to strengthen its role in supporting national economic growth. One of the main instruments is the sharia-based KUR program which targets micro and small businesses.

Quoting BSI’s official statement, the KUR program aims to “encourage the strengthening of the MSME sector through financing that is easily accessible, affordable and in accordance with sharia principles.” This statement confirms BSI’s commitment to providing financial services that are inclusive and based on Islamic values.

Unlike conventional credit, KUR BSI does not charge interest. Instead, banks apply sharia contracts such as murabahah (buying and selling with an agreed profit margin) and mudharabah (profit sharing), so that the entire financing process is carried out transparently and halally.

BSI KUR Financing Scheme and Conditions

KUR BSI offers a number of financing schemes that are flexible and can be adjusted to the needs and financial capabilities of business actors. Based on information from the official website of Bank Syariah Indonesia, the following are the general conditions for KUR BSI financing:

• Financing ceiling: starting from IDR 10 million to IDR 100 million
• Financing agreement: Murabahah or Mudharabah
• Equivalent margin: about 3 percent per year
• Financing tenor: up to 60 months or 5 years

For financing up to IDR 50 million, monthly installments are relatively light and stable. As an illustration, installments for a ceiling of IDR 20 million are around IDR 366 thousand per month, while a ceiling of IDR 50 million is around IDR 916 thousand per month. This scheme provides certainty for business actors because the margin is set at the beginning and does not change during the financing period.

Terms and Procedures for Submitting KUR BSI

In order to access KUR BSI financing, prospective customers need to fulfill a number of basic requirements. Among others are:

• Indonesian citizen (WNI), at least 21 years old or married
• Have a productive business that has been running for at least 6 months
• Include identity documents such as KTP, Family Card, or marriage certificate
• Have valid business legality
• Provide collateral documents if required