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Kementerian Koordinator Bidang PerekonomianKUR The NextInternasionalisasi Kredit Program 2026

Indonesia Kredit Program

About the Credit Programmes

  1. JakartaCoordinating Ministry for Economic Affairs
  2. SurabayaKUR The Next 2025, October 2025
  3. Nusa Dua, BaliInternational Fora for Kredit Program Pemerintah 2026, 29 October 2026

Illustrative map, not an official boundary map. Land data: Natural Earth (public domain).

Indonesia Kredit Program

About Us

Indonesia Kredit Program is an information and collaboration platform focused on strengthening the ecosystem of government credit programmes as a strategic instrument to widen access to financing, raise productivity, and drive inclusive and sustainable national economic growth.

Credit programmes play an important role in supporting productive businesses, modernising agriculture, strengthening labour-intensive industries, widening access to decent housing, and empowering communities that need access to formal financing.

By providing information, disseminating policy, exchanging knowledge, and strengthening collaboration among stakeholders, Indonesia Kredit Program fosters a broader understanding of the government’s credit programme schemes, their benefits, and their role in supporting economic development.

Indonesia Kredit Program is also a forum that brings together the perspectives of government, financial institutions, businesses, academia, and development partners to identify challenges, share good practices, and explore financing innovations that match the needs of the public and the evolving economy.

In a spirit of synergy, integration, and innovation, Indonesia Kredit Program supports a financing ecosystem oriented not only towards disbursing credit but also towards building business capacity, creating jobs, spreading economic opportunity more evenly, and sustaining benefits for the people of Indonesia.

Vision

An inclusive, adaptive, integrated, and sustainable credit programme ecosystem that widens access to financing, raises productivity, and strengthens national economic growth.

Mission

  1. 1

    Widen access to information and literacy on credit programmes by providing information that is accurate, transparent, easy to understand, and relevant to the public and stakeholders.

  2. 2

    Strengthen synergy and collaboration between government, financial institutions, the business community, academia, local governments, and development partners to support the effective implementation of credit programmes.

  3. 3

    Promote effective and well-targeted financing through knowledge exchange, implementation reviews, identification of constraints, and recommendations for improvement.

  4. 4

    Support innovation and diversification in productive financing that respond to the needs of businesses, national priority sectors, technological developments, and the principles of sustainable development.

  5. 5

    Strengthen the capacity and resilience of beneficiaries through financial literacy, business capacity building, and the productive and responsible use of financing.

Indonesia Kredit Program

Strategic Roles

  • Strengthening Policy Information

    Provides a space for information on and dissemination of credit programme policy, improving understanding of its direction, objectives, schemes, and implementation progress.

  • Ecosystem Integration and Collaboration

    Connects stakeholders to strengthen coordination, align understanding, and develop opportunities for cooperation in implementing credit programmes.

  • Evaluation and Quality Improvement

    Supports results-based learning through monitoring, evaluation, documentation of good practices, and identification of areas for improvement to increase the benefits of credit programmes.

  • Financing Innovation

    Encourages studies and new financing ideas relevant to the needs of productive sectors, industrial strengthening, agricultural modernisation, housing, and the empowerment of target groups.

Indonesia Kredit Program

Government Credit Programmes

  1. 01

    People’s Business Credit (KUR)

    Financing for micro, small, and productive businesses

    People’s Business Credit (Kredit Usaha Rakyat, KUR) is a financing programme that widens access to credit or financing for productive businesses through lending institutions appointed by the government. KUR is supported by a government interest or margin subsidy in accordance with prevailing regulations.

    The programme helps businesses obtain capital to grow, increase production capacity, become more competitive, and create jobs. KUR also helps businesses expand, scale up, and graduate to the next level.

  2. 02

    Agricultural Machinery Credit (Alsintan)

    Financing for agricultural tools and machinery

    Agricultural Machinery Credit (Kredit Usaha Alsintan) is a financing scheme that supports the procurement and development of agricultural tools and machinery (alsintan) for businesses that meet the programme requirements.

    The programme aims to accelerate agricultural modernisation, increase mechanisation and production efficiency, and strengthen business capacity in the agricultural sector. The use of agricultural machinery is expected to raise productivity, reduce reliance on manual processes, and support national food security and self-sufficiency.

  3. 03

    Labour-Intensive Industry Credit (KIPK)

    Financing for investment and industrial strengthening

    Labour-Intensive Industry Credit (Kredit Industri Padat Karya, KIPK) is a financing scheme for productive businesses in labour-intensive industries, supporting investment or a combination of investment and working capital in accordance with programme provisions.

    The financing helps revitalise production machinery and equipment, increase operational capacity, strengthen industrial competitiveness, and promote sustainability and employment.

    By strengthening access to financing, KIPK is expected to help industries improve efficiency and productivity while sustaining their contribution to job creation.

  4. 04

    Housing Credit Programme (KPP)

    Financing for the housing supply ecosystem

    The Housing Credit Programme (Kredit Program Perumahan, KPP) is a financing scheme that supports the development of the housing ecosystem, on both the supply and the demand side, in accordance with prevailing regulations.

    On the supply side, the programme helps housing businesses, including developers and related enterprises, access financing to build or develop homes. On the demand side, it supports access to financing for eligible members of the public to obtain decent housing.

    KPP is expected to increase the availability of homes, strengthen the housing business sector, create jobs, and support the national housing development agenda.

  5. 05

    Credit for Women from Low-Income Families

    Productive financing and women’s empowerment

    Kredit Perempuan Prasejahtera is a credit programme scheme that widens access to productive financing for women from low-income families who already run a business or plan to start one.

    The programme aims to open wider economic opportunities through affordable financing while encouraging independence, business development, and job creation. Its implementation also includes a group-based approach and mentoring in accordance with programme provisions.

    Through this scheme, women from low-income families are expected to have greater opportunities to develop their economic potential, increase their income, and strengthen their families’ economic resilience.

Closing

Together, Strengthening Indonesia’s Financing Ecosystem

Credit programmes are more than a financing instrument. They are part of a wider effort to expand economic opportunity, strengthen productive businesses, raise productivity, and improve public welfare.

Through policy synergy, cross-sector collaboration, innovation, and knowledge exchange, Indonesia Kredit Program supports a financing ecosystem that is adaptive, inclusive, and sustainable.

Together, let us make credit programmes a driver of economic transformation that delivers real benefits for businesses, workers, families, and the people of Indonesia.

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