IMPLEMENTASI KEBIJAKAN KREDIT USAHA RAKYAT PADA UMKM DI KABUPATEN BANDUNG

Abstract

This study was made to analyze the implementation of Kredit Usaha Rakyat (KRU) policy on improving the performance of the MSMEs in Warnasari Village, Pangalengan District, Bandung Regency. Based on the results of this study, there are problems related to low MSME performance, seen from it's ability (knowledge + skills). In accordance with the implementation of micro KUR, there is still a lack of knowledge and understanding from business owners when it comes to obtaining information regarding the KUR program. This has happened due to the lack of communication and the socialization from the government through banks. Furthermore, the low motivation of MSMEs/employees, associated with the Micro KUR program itself could burden business expenses. The problem is believed to be caused by the implementation of KUR policy which has not been quite optimal, in terms of communication and bureaucratic structure for it's troublesome administration. The method used for this research was qualitative-descriptive. The purpose of the study is to analyze the implementation of KUR policy on improving the performance of MSMEs in Bandung Regency. The stages of the method in this study involves collecting all of the necessary data, classification according to each of the type and specifications respectively, then analyzing qualitatively along with supporting descriptions and explanations, then the results of the analysis were made and drawn into final conclusions (final results). Based on qualitative analysis, the results show that the KUR program is somewhat ready to be implemented, although there are still aspects that are not feasible, namely the low level of communication and bureaucratic structure, therefore effective communication improvement and simple bureaucratic structures would be required so that it will be sufficient to overcome the occurring root causes of the problems in the KUR policy, therefore increasing the performance of MSMEs. Targeted output is that four important aspects, ranging from communication, resources, disposition / attitude of implementers, and the bureaucratic structure (work mechanism) of the KUR program should be achieved in order for KUR program to be succeed, thus impacting on the improvement of MSMEs performance.