[{"_1":2,"_121":-5,"_122":-5},"loaderData",{"_3":4,"_28":29,"_30":31},"root",{"_5":6,"_7":-5,"_8":9},"locale","en","session","ENV",{"_10":11,"_12":13,"_14":15,"_16":17,"_18":19,"_20":21,"_22":23,"_24":25,"_26":27},"APP_ENV","production","APP_URL","https://veritask.ai","GA_MEASUREMENT_ID","G-X1BV3QBZEM","META_PIXEL_ID","4698743733686194","TIKTOK_PIXEL_IDS","D8A3HTBC77U9J3L243V0","CLARITY_PROJECT_ID","wn9rn7xb4l","AMPLITUDE_API_KEY","74a0c7cc1509a379d3647ec140dd375","MIDTRANS_CLIENT_KEY","Mid-client-hwjEU5pmwAKVMbIA","MIDTRANS_SNAP_URL","https://app.midtrans.com/snap/snap.js","routes/$locale",{"_5":6},"routes/$locale.search-engine.regulation.$regulationId",{"_32":33,"_34":35},"regulationId","dbca45f8-883a-42fa-af03-8d10959b2f07","regulationData",{"_36":33,"_37":38,"_117":118,"_119":120},"regulation_id","overview",{"_39":40,"_41":42,"_43":44,"_45":46,"_47":48,"_49":50,"_51":52,"_53":54,"_60":61,"_62":63,"_67":68,"_75":76,"_77":78,"_79":80,"_81":82,"_83":-5,"_84":85,"_86":87,"_88":-5,"_89":90,"_91":92,"_93":92,"_94":95,"_96":97,"_98":99,"_100":101,"_102":103,"_104":105,"_106":107,"_108":109,"_110":111,"_112":113,"_114":-5,"_115":116},"title","Peraturan Menteri Koordinator Bidang Perekonomian Nomor 13 Tahun 2024 tentang Pedoman Relaksasi Restrukturisasi Kredit Usaha Rakyat","short_title","Peraturan Menteri Koordinator Bidang Perekonomian Nomor 13 Tahun 2024","number","13","year","2024","published_date","2024-10-09","effective_date","2025-12-31","status_id","3611a577-44a0-41ad-986d-7457e14f52ff","status",{"_55":52,"_56":57,"_58":59},"id","name","Berlaku","description","Peraturan yang masih berlaku dan memiliki kekuatan hukum yang mengikat","type_id","6c17c709-3ded-4503-86c1-a3bf7f552a4e","type",{"_55":61,"_56":64,"_65":66},"Peraturan Menteri Koordinator Bidang Perekonomian","short_name","Permenko Perekonomian","subjects",[69,72],{"_55":70,"_56":71,"_58":-5},"23186465-8acf-4b27-a795-2d4eddc93459","Standar & Pedoman Teknis",{"_55":73,"_56":74,"_58":-5},"b4352a21-9358-435d-b1a9-f4268ae07a7e","Kebijakan Perekonomian Nasional","tags",[],"location","Kementerian Koordinator Bidang Perekonomian","place_of_enactment","Jakarta","theme","Pedoman Relaksasi Restrukturisasi Kredit Usaha Rakyat","subject_matter","abstract","\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

pedoman-kredit-kur-perekonomian-restrukturisasi
2024
Peraturan Menteri Koordinator Bidang Perekonomian NO. 13, BN.2024 (721)/23 hlm
Peraturan Menteri Koordinator Bidang Perekonomian TENTANG Pedoman Relaksasi Restrukturisasi Kredit Usaha Rakyat
ABSTRAK:	\n \n a. bahwa ketidakstabilan perekonomian berdampak terhadap\r\nkinerja dan kapasitas debitur serta meningkatkan risiko\r\nkredit yang berpotensi mengganggu kinerja penyalur kredit\r\nusaha rakyat dan penjamin kredit usaha rakyat, serta\r\nstabilitas sistem keuangan, sehingga dapat memengaruhi\r\npertumbuhan ekonomi;\r\nb. bahwa untuk mengoptimalkan penyaluran kredit kepada\r\nsektor usaha mikro, kecil, dan menengah serta menjaga\r\npertumbuhan ekonomi, berdasarkan arahan Presiden\r\ndalam sidang kabinet paripurna tanggal 24 Juni 2024,\r\nperlu memberikan relaksasi kebijakan restrukturisasi\r\nkredit usaha rakyat berupa penambahan perpanjangan\r\nwaktu restrukturisasi;\r\nc. bahwa berdasarkan pertimbangan sebagaimana dimaksud\r\ndalam huruf a dan huruf b, perlu menetapkan Peraturan\r\nMenteri Koordinator Bidang Perekonomian selaku Ketua\r\nKomite Kebijakan Pembiayaan bagi Usaha Mikro, Kecil, dan\r\nMenengah tentang Pedoman Relaksasi Restrukturisasi\r\nKredit Usaha Rakyat; \n Pasal 17 ayat (3) Undang-Undang Dasar Negara Republik Indonesia Tahun 1945, Undang-Undang Nomor 39 Tahun 2008, Peraturan Presiden Nomor 37 Tahun 2020, Peraturan Menteri Koordinator Bidang Perekonomian Nomor 8 Tahun 2021 dan eraturan Menteri Koordinator Bidang Perekonomian Nomor 1 Tahun 2022 \n Peraturan ini mengatur tentang ketentuan umum, pelaksanaan ketentuan relaksasi restrukturisasi KUR, pelaporan pelaksanaan restrukturisasi KUR, ketentuan lain-lain dan ketentuan penutup \n \n
CATATAN:	\n \n Peraturan Menteri Koordinator Bidang Perekonomian ini mulai berlaku pada tanggal 31 Desember 2025. \n 23 hlm \n \n

","regulatory_relationship","Peraturan ini mengubah:\n1. Peraturan Menteri Koordinator Bidang Perekonomian Nomor 1 Tahun 2024 tentang Pedoman Pelaksanaan Kredit Usaha Rakyat sebagaimana telah beberapa kali diubah terakhir dengan Peraturan Menteri Koordinator Bidang Perekonomian Nomor 7 Tahun 2024 tentang Perubahan Kedua atas Peraturan Menteri Koordinator Bidang Perekonomian Nomor 1 Tahun 2024 tentang Pedoman Pelaksanaan Kredit Usaha Rakyat.","scope_and_parties","policy_content","

Peraturan ini diterbitkan sebagai respons terhadap ketidakstabilan ekonomi yang berdampak pada kapasitas debitur dan risiko kredit, dengan tujuan untuk mengoptimalkan penyaluran Kredit Usaha Rakyat (KUR) serta menjaga keberlangsungan usaha mikro, kecil, dan menengah (UMKM) serta pertumbuhan ekonomi nasional.

Kebijakan ini memberikan relaksasi restrukturisasi KUR berupa penambahan perpanjangan waktu pembayaran angsuran bagi debitur yang usahanya mengalami penurunan pendapatan akibat ketidakpastian kondisi usaha. Relaksasi ini berlaku bagi Penerima KUR Super Mikro, Mikro, Kecil, dan Khusus yang memiliki kualitas kredit kolektibilitas 2 atau 3, memiliki prospek usaha, kooperatif, memiliki akad KUR hingga 30 Juni 2024, dan belum pernah mendapatkan fasilitas restrukturisasi sebelumnya.

Penyalur KUR diwajibkan melakukan analisis kondisi faktual, pemantauan, pembinaan, serta mitigasi risiko sebelum memberikan relaksasi. Penambahan jangka waktu restrukturisasi diberikan secara selektif berdasarkan kriteria tunggakan debitur, dengan durasi maksimal 6 hingga 12 bulan di luar ketentuan restrukturisasi sebelumnya. Selain itu, Penyalur KUR diwajibkan melaporkan pelaksanaan restrukturisasi ini secara periodik setiap bulan kepada Komite Kebijakan Pembiayaan bagi UMKM.

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Penyalur KUR dapat memberikan fasilitas relaksasi restrukturisasi KUR kepada Penerima KUR sebagaimana dimaksud pada ayat (1) dan ayat (2) dengan tetap memperhatikan prinsip kehati-hatian dan manajemen risiko.

The determination of credit quality as referred to in paragraph (2) letter a shall be carried out in accordance with the provisions of laws and regulations.

Article 4

KUR Recipients who receive KUR restructuring relaxation as referred to in Article 3 shall be classified into 4 (four) criteria consisting of KUR Recipients:
1. criterion 1;
2. criterion 2;
3. criterion 3; and
4. criterion 4.
KUR Recipients of criterion 1 as referred to in paragraph (1) letter a are KUR Recipients who have arrears with a duration of at least 1 (one) day up to a maximum of 30 (thirty) days.
KUR Recipients of criterion 2 as referred to in paragraph (1) letter b are KUR Recipients who have arrears with a duration of at least 31 (thirty-one) days up to a maximum of 60 (sixty) days.
KUR Recipients of criterion 3 as referred to in paragraph (1) letter c are KUR Recipients who have arrears with a duration of at least 61 (sixty-one) days up to a maximum of 90 (ninety) days.
KUR Recipients of criterion 4 as referred to in

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