{"id":55669,"date":"2026-01-30T21:49:16","date_gmt":"2026-01-30T14:49:16","guid":{"rendered":"https:\/\/blog.umsu.ac.id\/aktual\/?p=55669"},"modified":"2026-01-30T23:01:14","modified_gmt":"2026-01-30T16:01:14","slug":"info-kur-bsi-2026-persyaratan-plafon-dan-perhitungan-cicilan-umkm","status":"publish","type":"post","link":"https:\/\/blog.umsu.ac.id\/aktual\/info-kur-bsi-2026-persyaratan-plafon-dan-perhitungan-cicilan-umkm\/","title":{"rendered":"Info KUR BSI 2026: Persyaratan, Plafon, dan Perhitungan Cicilan UMKM"},"content":{"rendered":"<p>Bagi pelaku UMKM, tambahan modal usaha di tahun 2026 sangat penting untuk mengembangkan bisnis dan meningkatkan keuntungan. Namun, banyak pengusaha ragu mengajukan pinjaman karena takut bunga tinggi atau sistemnya tidak sesuai prinsip syariah.<\/p>\n<p>Sebagai solusi, Bank Syariah Indonesia (BSI) menghadirkan KUR BSI 2026, yaitu program Kredit Usaha Rakyat berbasis syariah yang aman, transparan, dan bebas riba. Program ini menggunakan akad syariah seperti Murabahah dan Ijarah, sehingga tidak menerapkan bunga konvensional.<br \/>\n<script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-0032959964480376\"\n     crossorigin=\"anonymous\"><\/script><br \/>\n<!-- 2023des1 --><br \/>\n<ins class=\"adsbygoogle\"\n     style=\"display:block\"\n     data-ad-client=\"ca-pub-0032959964480376\"\n     data-ad-slot=\"7381647052\"\n     data-ad-format=\"auto\"\n     data-full-width-responsive=\"true\"><\/ins><br \/>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/p>\n<h2>Keunggulan KUR BSI 2026 untuk Pelaku UMKM<\/h2>\n<p><strong>Berikut beberapa keunggulan KUR BSI 2026 dibandingkan kredit usaha biasa:<\/strong><\/p>\n<ul>\n<li><strong>Sistem Syariah Bebas Bunga<\/strong><br \/>\nCicilan menggunakan margin atau ujrah tetap hingga tenor selesai, sehingga tidak berubah-ubah.<\/li>\n<li><strong>Didukung Subsidi Pemerintah<\/strong><br \/>\nDengan margin sekitar 6% per tahun, beban cicilan lebih ringan dan stabil, setara dengan KUR konvensional.<\/li>\n<li><strong>Transparan dan Halal<\/strong><br \/>\nSkema syariah memberikan kepastian hukum dan ketenangan bagi pengusaha, sehingga modal usaha bisa dimanfaatkan secara optimal.<\/li>\n<\/ul>\n<p>Tak heran jika minat pelaku UMKM terhadap KUR BSI 2026 terus meningkat setiap tahun.<br \/>\n<script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-0032959964480376\"\n     crossorigin=\"anonymous\"><\/script><br \/>\n<!-- 2023des2 --><br \/>\n<ins class=\"adsbygoogle\"\n     style=\"display:block\"\n     data-ad-client=\"ca-pub-0032959964480376\"\n     data-ad-slot=\"3386561724\"\n     data-ad-format=\"auto\"\n     data-full-width-responsive=\"true\"><\/ins><br \/>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/p>\n<h2>Jenis dan Plafon KUR BSI 2026<\/h2>\n<p><strong>BSI menyediakan beberapa jenis KUR sesuai skala usaha:<\/strong><\/p>\n<h3>KUR Super Mikro<\/h3>\n<ul>\n<li>Plafon: maksimal Rp10 juta<\/li>\n<li>Target: usaha pemula atau ultra mikro<\/li>\n<li>Persyaratan ringan, umumnya tanpa jaminan<\/li>\n<\/ul>\n<h3>KUR Mikro<\/h3>\n<ul>\n<li>Plafon: Rp10 juta \u2013 Rp100 juta<\/li>\n<li>Usaha minimal berjalan 6 bulan<\/li>\n<li>Cocok untuk pedagang pasar dan usaha kecil<\/li>\n<\/ul>\n<h3>KUR Kecil<\/h3>\n<ul>\n<li>Plafon: Rp100 juta \u2013 Rp500 juta<\/li>\n<li>Usaha sudah berkembang<\/li>\n<li>Wajib NPWP dan jaminan tambahan<\/li>\n<\/ul>\n<p><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-0032959964480376\"\n     crossorigin=\"anonymous\"><\/script><br \/>\n<!-- 2023des3 --><br \/>\n<ins class=\"adsbygoogle\"\n     style=\"display:block\"\n     data-ad-client=\"ca-pub-0032959964480376\"\n     data-ad-slot=\"9732478221\"\n     data-ad-format=\"auto\"\n     data-full-width-responsive=\"true\"><\/ins><br \/>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/p>\n<h2>Simulasi Angsuran KUR BSI 2026<\/h2>\n<p><strong>Dilansir dari bungkuselatan.id, Berikut simulasi cicilan KUR BSI 2026 dengan margin 6% per tahun (estimasi, dapat berbeda sesuai kebijakan BSI dan analisis usaha):<\/strong><\/p>\n<h3>Plafon Rp10.000.000<\/h3>\n<ul>\n<li>12 bulan: \u00b1 Rp860.664\/bulan<\/li>\n<li>24 bulan: \u00b1 Rp443.206\/bulan<\/li>\n<li>36 bulan: \u00b1 Rp304.219\/bulan<\/li>\n<li>48 bulan: \u00b1 Rp234.850\/bulan<\/li>\n<li>60 bulan: \u00b1 Rp193.328\/bulan<\/li>\n<\/ul>\n<p><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-0032959964480376\"\n     crossorigin=\"anonymous\"><\/script><br \/>\n<!-- 2023des1 --><br \/>\n<ins class=\"adsbygoogle\"\n     style=\"display:block\"\n     data-ad-client=\"ca-pub-0032959964480376\"\n     data-ad-slot=\"7381647052\"\n     data-ad-format=\"auto\"\n     data-full-width-responsive=\"true\"><\/ins><br \/>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/p>\n<h3>Plafon Rp25.000.000<\/h3>\n<ul>\n<li>12 bulan: \u00b1 Rp2.151.661\/bulan<\/li>\n<li>24 bulan: \u00b1 Rp1.108.015\/bulan<\/li>\n<li>36 bulan: \u00b1 Rp760.548\/bulan<\/li>\n<li>48 bulan: \u00b1 Rp587.126\/bulan<\/li>\n<li>60 bulan: \u00b1 Rp483.320\/bulan<\/li>\n<\/ul>\n<p><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-0032959964480376\"\n     crossorigin=\"anonymous\"><\/script><br \/>\n<!-- 2023des2 --><br \/>\n<ins class=\"adsbygoogle\"\n     style=\"display:block\"\n     data-ad-client=\"ca-pub-0032959964480376\"\n     data-ad-slot=\"3386561724\"\n     data-ad-format=\"auto\"\n     data-full-width-responsive=\"true\"><\/ins><br \/>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/p>\n<h3>Plafon Rp50.000.000<\/h3>\n<ul>\n<li>12 bulan: \u00b1 Rp4.303.321\/bulan<\/li>\n<li>24 bulan: \u00b1 Rp2.216.031\/bulan<\/li>\n<li>36 bulan: \u00b1 Rp1.521.097\/bulan<\/li>\n<li>48 bulan: \u00b1 Rp1.174.251\/bulan<\/li>\n<li>60 bulan: \u00b1 Rp966.640\/bulan<\/li>\n<\/ul>\n<p><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-0032959964480376\"\n     crossorigin=\"anonymous\"><\/script><br \/>\n<!-- 2023des3 --><br \/>\n<ins class=\"adsbygoogle\"\n     style=\"display:block\"\n     data-ad-client=\"ca-pub-0032959964480376\"\n     data-ad-slot=\"9732478221\"\n     data-ad-format=\"auto\"\n     data-full-width-responsive=\"true\"><\/ins><br \/>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/p>\n<h3>Plafon Rp100.000.000<\/h3>\n<ul>\n<li>12 bulan: \u00b1 Rp8.606.643\/bulan<\/li>\n<li>24 bulan: \u00b1 Rp4.432.061\/bulan<\/li>\n<li>36 bulan: \u00b1 Rp3.042.194\/bulan<\/li>\n<li>48 bulan: \u00b1 Rp2.348.503\/bulan<\/li>\n<li>60 bulan: \u00b1 Rp1.933.280\/bulan<\/li>\n<\/ul>\n<p><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-0032959964480376\"\n     crossorigin=\"anonymous\"><\/script><br \/>\n<!-- 2023des1 --><br \/>\n<ins class=\"adsbygoogle\"\n     style=\"display:block\"\n     data-ad-client=\"ca-pub-0032959964480376\"\n     data-ad-slot=\"7381647052\"\n     data-ad-format=\"auto\"\n     data-full-width-responsive=\"true\"><\/ins><br \/>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/p>\n<h2>Syarat Pengajuan KUR BSI 2026<\/h2>\n<p><strong>Berikut syarat pengajuan KUR BSI 2026:<\/strong><\/p>\n<h3>Syarat Umum<\/h3>\n<ol>\n<li>WNI dengan e-KTP aktif<\/li>\n<li>Usia minimal 21 tahun atau sudah menikah<\/li>\n<li>Memiliki usaha produktif minimal 6 bulan<\/li>\n<li>Tidak memiliki pembiayaan modal kerja aktif di bank lain (kecuali KPR, KKB, atau kartu kredit lancar)<\/li>\n<\/ol>\n<p><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-0032959964480376\"\n     crossorigin=\"anonymous\"><\/script><br \/>\n<!-- 2023des2 --><br \/>\n<ins class=\"adsbygoogle\"\n     style=\"display:block\"\n     data-ad-client=\"ca-pub-0032959964480376\"\n     data-ad-slot=\"3386561724\"\n     data-ad-format=\"auto\"\n     data-full-width-responsive=\"true\"><\/ins><br \/>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/p>\n<h3>Dokumen yang Dibutuhkan<\/h3>\n<ol>\n<li>Fotokopi e-KTP pemohon dan pasangan<\/li>\n<li>Fotokopi Kartu Keluarga<\/li>\n<li>Buku nikah (jika sudah menikah)<\/li>\n<li>Surat Keterangan Usaha (SKU) atau NIB<\/li>\n<li>NPWP (untuk pembiayaan di atas Rp50 juta)<\/li>\n<li>Dokumen jaminan khusus untuk KUR Kecil<\/li>\n<\/ol>\n<p><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-0032959964480376\"\n     crossorigin=\"anonymous\"><\/script><br \/>\n<!-- 2023des3 --><br \/>\n<ins class=\"adsbygoogle\"\n     style=\"display:block\"\n     data-ad-client=\"ca-pub-0032959964480376\"\n     data-ad-slot=\"9732478221\"\n     data-ad-format=\"auto\"\n     data-full-width-responsive=\"true\"><\/ins><br \/>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/p>\n<h2>Cara Mengajukan KUR BSI 2026<\/h2>\n<p><strong>Berikut cara mengajukan KUR BSI 2026:<\/strong><\/p>\n<h3>Pengajuan Langsung di Kantor Cabang<\/h3>\n<ol>\n<li>Siapkan dokumen persyaratan<\/li>\n<li>Datang ke kantor BSI terdekat<\/li>\n<li>Ajukan melalui customer service dan isi formulir<\/li>\n<li>Tunggu proses verifikasi dan survei usaha<\/li>\n<\/ol>\n<p><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-0032959964480376\"\n     crossorigin=\"anonymous\"><\/script><br \/>\n<!-- 2023des1 --><br \/>\n<ins class=\"adsbygoogle\"\n     style=\"display:block\"\n     data-ad-client=\"ca-pub-0032959964480376\"\n     data-ad-slot=\"7381647052\"\n     data-ad-format=\"auto\"\n     data-full-width-responsive=\"true\"><\/ins><br \/>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/p>\n<h3>Pengajuan Online<\/h3>\n<ol>\n<li>Akses layanan digital resmi BSI<\/li>\n<li>Pilih menu pengajuan KUR<\/li>\n<li>Isi data diri dan informasi usaha<\/li>\n<li>Tunggu konfirmasi dan jadwal survei<\/li>\n<\/ol>\n<p><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-0032959964480376\"\n     crossorigin=\"anonymous\"><\/script><br \/>\n<!-- 2023des2 --><br \/>\n<ins class=\"adsbygoogle\"\n     style=\"display:block\"\n     data-ad-client=\"ca-pub-0032959964480376\"\n     data-ad-slot=\"3386561724\"\n     data-ad-format=\"auto\"\n     data-full-width-responsive=\"true\"><\/ins><br \/>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/p>\n<h2>Penyebab Pengajuan KUR BSI 2026 Ditolak<\/h2>\n<p><strong>Beberapa faktor yang sering membuat pengajuan KUR ditolak:<\/strong><\/p>\n<ul>\n<li>Riwayat kredit bermasalah di SLIK OJK, termasuk pinjaman online<\/li>\n<li>Data usaha tidak sesuai kondisi sebenarnya<\/li>\n<li>Dokumen tidak lengkap atau tidak valid<\/li>\n<\/ul>\n<p>Pastikan semua informasi dan dokumen lengkap serta akurat agar peluang persetujuan lebih besar.<br \/>\n<script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-0032959964480376\"\n     crossorigin=\"anonymous\"><\/script><br \/>\n<!-- 2023des3 --><br \/>\n<ins class=\"adsbygoogle\"\n     style=\"display:block\"\n     data-ad-client=\"ca-pub-0032959964480376\"\n     data-ad-slot=\"9732478221\"\n     data-ad-format=\"auto\"\n     data-full-width-responsive=\"true\"><\/ins><br \/>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/p>\n<h2>Kesimpulan<\/h2>\n<p>KUR BSI 2026 merupakan solusi pembiayaan syariah bagi pelaku UMKM yang ingin menambah modal usaha tanpa bunga. Program ini menawarkan berbagai plafon mulai dari KUR Super Mikro hingga KUR Kecil, dengan cicilan tetap dan subsidi pemerintah.<\/p>\n<p>Pengajuan dapat dilakukan secara langsung di kantor BSI maupun online, dengan syarat dokumen dan usaha yang jelas. Memastikan data dan dokumen lengkap akan meningkatkan peluang persetujuan pengajuan.<\/p>\n<h2>Sumber<\/h2>\n<blockquote class=\"wp-embedded-content\" data-secret=\"uB2VVR7dio\"><p><a href=\"https:\/\/bungkuselatan.id\/tabel-angsuran-kur-bsi-2026\/\">Tabel Angsuran KUR BSI 2026 &amp; Syarat Pengajuan Tanpa Riba Cair Cepat<\/a><\/p><\/blockquote>\n<p><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"&#8220;Tabel Angsuran KUR BSI 2026 &amp; Syarat Pengajuan Tanpa Riba Cair Cepat&#8221; &#8212; Bungkuselatan.id\" src=\"https:\/\/bungkuselatan.id\/tabel-angsuran-kur-bsi-2026\/embed\/#?secret=H148NnycWH#?secret=uB2VVR7dio\" data-secret=\"uB2VVR7dio\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bagi pelaku UMKM, tambahan modal usaha di tahun 2026 sangat penting untuk mengembangkan bisnis dan meningkatkan keuntungan. Namun, banyak pengusaha ragu mengajukan pinjaman karena takut bunga tinggi atau sistemnya tidak sesuai prinsip syariah. Sebagai solusi, Bank Syariah Indonesia (BSI) menghadirkan KUR BSI 2026, yaitu program Kredit Usaha Rakyat berbasis syariah yang aman, transparan, dan bebas [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":55689,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"subtitle":"","format":"standard","override":[{"template":"1","parallax":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"top","share_float_style":"share-monocrhome","show_share_counter":"1","show_view_counter":"1","show_featured":"1","show_post_meta":"1","show_post_author":"1","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"1","show_post_reading_time":"0","post_reading_time_wpm":"300","post_calculate_word_method":"str_word_count","show_zoom_button":"0","zoom_button_out_step":"2","zoom_button_in_step":"3","show_post_tag":"1","show_prev_next_post":"1","show_popup_post":"1","number_popup_post":"1","show_author_box":"1","show_post_related":"0","show_inline_post_related":"0"}],"image_override":[{"single_post_thumbnail_size":"crop-500","single_post_gallery_size":"crop-500"}],"trending_post_position":"meta","trending_post_label":"Trending","sponsored_post_label":"Sponsored by","disable_ad":"0"},"jnews_primary_category":[],"footnotes":""},"categories":[31,30],"tags":[47668,46858,49418,41946,48810,49417,48996,47183,49419],"class_list":["post-55669","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","category-informasi","tag-angsuran-kur-bsi-2026","tag-cara-mengajukan-kur-bsi-2026","tag-kredit-usaha-rakyat-bsi-2026","tag-kur-bsi-2026","tag-kur-bsi-2026-tanpa-jaminan","tag-pinjaman-umkm-bsi-2026","tag-simulasi-kur-bsi-2026","tag-syarat-pengajuan-kur-bsi-2026","tag-tabel-angsuran-kur-bsi-2026"],"_links":{"self":[{"href":"https:\/\/blog.umsu.ac.id\/aktual\/wp-json\/wp\/v2\/posts\/55669","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.umsu.ac.id\/aktual\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.umsu.ac.id\/aktual\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.umsu.ac.id\/aktual\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.umsu.ac.id\/aktual\/wp-json\/wp\/v2\/comments?post=55669"}],"version-history":[{"count":3,"href":"https:\/\/blog.umsu.ac.id\/aktual\/wp-json\/wp\/v2\/posts\/55669\/revisions"}],"predecessor-version":[{"id":55706,"href":"https:\/\/blog.umsu.ac.id\/aktual\/wp-json\/wp\/v2\/posts\/55669\/revisions\/55706"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.umsu.ac.id\/aktual\/wp-json\/wp\/v2\/media\/55689"}],"wp:attachment":[{"href":"https:\/\/blog.umsu.ac.id\/aktual\/wp-json\/wp\/v2\/media?parent=55669"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.umsu.ac.id\/aktual\/wp-json\/wp\/v2\/categories?post=55669"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.umsu.ac.id\/aktual\/wp-json\/wp\/v2\/tags?post=55669"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}