KUR Mandiri 2025 Can’t Be Disbursed Anymore? These are the 5 main causes

KabarJawa.com – The People’s Business Credit Program or known as KUR from Bank Mandiri has long been the support of many Micro, Small and Medium Enterprises throughout Indonesia.

Since its initial launch, this program has been designed to help people who need additional capital so that their businesses can develop more quickly.

With low interest, long tenor and easy installments, KUR Mandiri is one of the most popular financing options to date.

The government also entrusts Bank Mandiri as one of the official KUR distribution institutions, because it is considered to have an extensive and reliable distribution system.

The application method is relatively easy. Just come directly to the nearest branch office with the required requirements such as identity documents, business permits, financial reports, and others.

If approved, the funds will be disbursed immediately and can be used to develop the business as needed.

However, in practice, not all KUR applications can run smoothly. There are also cases where customers who previously received a KUR loan and had paid it off were suddenly rejected when they tried to apply again in 2025.

This situation certainly makes some people confused, especially those who feel that their business is still running well and does not have any arrears.

So, what is actually the reason why KUR Mandiri 2025 can no longer be disbursed? For this reason, summarizing from various sources, here is a complete explanation.

1. Business is no longer valid

One of the most common reasons is because the proposed business is no longer considered valid or active.

In the verification process, the bank will review whether the business is still operating and generating income.

If it is found that business activities have stopped, are not running stably, or do not have proof of transactions, then the application can be immediately rejected.

2. The ability to pay is deemed not to meet the requirements

The bank will also reassess the prospective debtor’s ability to pay installments. Even though you have previously applied for and paid off a loan, your current financial condition remains the main consideration.

If income is deemed to have decreased or is not enough to cover new installments, the bank can refuse to disburse KUR funds.

3. KUR documents are incomplete

Administrative problems are often the most classic obstacles. Incomplete documents, such as photocopies of KTPs, business permits, NPWPs, or inappropriate financial reports, can cause applications to be delayed or even rejected.

Bank Mandiri has strict standards regarding file completeness, because this is directly related to the validity and security of the loan.

4. The purpose of using funds is not clear

People’s Business Credit is only given for productive activities. This means that the funds borrowed must be used for business needs, not personal consumption.

If during the interview process the bank assesses that the prospective debtor does not have a clear plan for using the funds or does not appear to be in accordance with the objectives of the KUR program, then the application may be rejected.

5. Exceeding the KUR Mandiri Loan Accumulation Limit

Each KUR recipient has a certain maximum loan limit. If you have previously received KUR with a certain value, and the total has reached the maximum limit, then the new application will not be approved.

Based on Mandiri’s official website, it is known that prospective micro KUR recipients in the agricultural, plantation, fishery and livestock production sectors are limited to receiving KUR a maximum of 4 (four) times.

Then, prospective micro KUR recipients other than the agricultural, plantation, fisheries and livestock production sectors as intended and prospective micro KUR recipients other than the Production sector are limited to receiving KUR a maximum of 2 (two) times.

If one of the above causes occurs, customers should not force themselves to continue submitting.

As an alternative, there are many other financing programs outside KUR offered by Bank Mandiri and other financial institutions.

By understanding these causes, business actors can be better prepared and careful when they want to reapply for KUR in 2025.***