Procedure for Claiming Unsecured People's Business Credit (KUR) Insurance with Bad Loan

Laila Elfarinda


The government is trying to develop business assistance to MSMEs through the People's Business Credit (KUR) program without collateral with a maximum ceiling of 100 million. However, it is no longer an open secret that the problems often faced by Banks are bad loans. So there needs to be a guarantor who can be a third party between the customer and the bank which will be an alternative solution to the problem of bad credit. This study aims to determine the procedure for credit insurance claims on unsecured KUR who experience bad credit. This research is descriptive. Based on the results of the discussion, it can be concluded that in the procedure for submitting an unsecured KUR credit insurance claim that must be paid by the guarantor to the bank is 70% x the remaining principal + overdue bills which are included in the collectibility category of 6 (five) or loss. Credit insurance claims that have been paid by the guarantor against the bank does not relieve the People's Business Credit (KUR) customers from the obligation to pay off the People's Business Credit (KUR) and the bank continues to collect the People's Business Credit (KUR) customers. 


Creditors, Debtors, Insurance claims, People's Business Credit (KUR)

Full Text:



Diasti, S. P., & Inayah. (2018). Overview of the implementation of insurance principles and settlement of claims on bad loans (Study on credit insurance at PP. Asuransi Bangun Askrida Surakarta) [Muhammadiyah University of Surakarta].

Echols, J. M., & Shadily, H. (1990). Kamus Inggris-Indonesia. Jakarta: Gramedia.

Ibrahim, J. (2004). Completely peeling commercial and consumptive loans in bank credit agreements. Bandung: Forward Mandar.

Marhas, A., & Hadi, I. K. (2019). Legal protection against creditors in the people's business credit agreement (kur) micro without collateral (Study at PT. Bank Rakyat Indonesia Tbk. branch office Banda Aceh). Student Scientific Journal of Civil Law, 3(2), 257-267.

Muhammad, A. (2000). Hukum perdata Indonesia. Bandung: PT. Citra Aditya Bakti.

Putro, E. B., Budiharto, & Maheasy, S. (2019). Credit Insurance as one way banks in overcoming bad credit risk (Study of BPR Arto Moro). Undip E-Journal.

Rastuti, T. (2011). Legal aspects of insurance agreements. Yogyakarta: Yustisia Library.

Simorangkir, O. P. (2000). Seluk beluk bank komersial, Cetakan Kelima. Jakarta: Aksara Persada Indonesia.

Sucita, P. R. (2018). Analisis hukum pelaksanaan asuransi kredit usaha rakyat di PT Askrindo [Doctoral dissertation, Universitas Mataram].

Supramono, G. (1996). Banking and credit issues. Jakarta: Bridge.

Usman, R. (2001). Aspek-aspek hukum perbankan di Indonesia. Jakarta: PT. Gramedia Pustaka Utama.



  • There are currently no refbacks.

Copyright (c) 2023 Proceedings of International Conference in Social Science

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.


Proceedings of International Conference in Social Science
Postgraduate School University of Merdeka Malang
Mailing Address:
Address: Jl. Terusan Raya Dieng No. 62-64, Malang, Indonesia, 65146
Phone/Fax: +62341-568395



Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.