People's Business Credit Research Articles

Efektivitas Program Kredit Usaha Rakyat (KUR) Syariah PT. Pegadaian untuk Pengembangan Usaha Mikro Kecil Menengah

This study aims to analyze the effectiveness and impact felt by MSME actors in realizing the sharia KUR program and whether it is really able to provide benefits to the sustainability of the businesses they have. The research method used by the author is descriptive-qualitative research. Through descriptive research, researchers will try to describe the phenomenon regarding the effectiveness of the Sharia People's Business Credit (KUR) program of PT Pegadaian for the development of micro, small, and medium enterprises. The results of this study state that the presence of KUR credit Sharia Pegadaian Blega Branch in the community is very helpful for business people to get alternative capital. The benefits obtained with credit are for business development and financial management, which are easier to rotate. The results of the interviews conducted said that loans from pawnshops are not only used to increase business capital but also for daily living expenses and even to help finance children who are st

The Influence of Service Quality and Interest Rates on the Decision to Take Micro Credit at Bank BRI Medan Branch Hm. Yamin

This research aims to determine the influence of interest rate collection behavior and the quality of micro business credit services at Bank BRI, HM Medan branch. yes. This research uses explanatory research, where descriptive statistical methods are used to assess whether there is a relationship between the influence of services provided and interest rates on people's business credit customers. The research results showed that respondents' answers regarding service quality were considered good. The interest rate determination is in line with customer expectations and the results of the credit decision category show that respondents did not experience difficulty in determining the BRI HM Bank branch. Yamin Medan as the bank that submitted the KUR microcredit application.

Strategies To Increase People's Business Credit

This study aims to determine and analyze strategies in increasing People's Business Credit. Type of Research is a Type of Qualitative Research. This research was conducted at Bank Sulsebar Mamasa Branch. Research data sources from primary data and secondary data. Data collection methods through observation, interviews and documentation. This research uses qualitative descriptive analysis methods and SWOT analysis. The results of this study show that: The strategy in providing People's Business Credit in increasing customers is carried out by socializing to the public about the superior products of People's Business Credit, improving the process of providing People's Business Credit so that it is not slow in providing certainty in providing credit, selective in lending and providing assistance in business development for People's Business Credit debtors. The strategy in providing People's Business Credit in increasing customers is carried out by socializing to the public about superior products People's Business Credit, improving the process of providing People's Business Credit, so as not to be slow in providing certainty in providing credit, selective in lending and providing assistance in business development for debtors of People's Business Credit.

The Effect Of People's Bussines Credit (KUR) PT. Papua Regional Development Bank Sentani BranchToward Micro Small And Medium Enterprises (MSMEs) In Jayapura District

This study aims to determine the effect of People's Business Credit assistance and the increase in income on MSMEs. This research is quantitative research. The number of samples is 32 MSMEs that take KUR at Bank Papua Sentani Branch. The analytical tools used in this study are data quality tests and simple regression analysis. From the linear regression function above, it can be explained that the Constant Value (a) has a positive value of 15.039 and the regression coefficient value for the People's Business Credit variable has a positive value of 0.606. Obtained t table of 2.04227. And t count 3.054 >2.04227 t table based on the independent variable People's Business Credit has a positive effect on the dependent variable MSMEs income. Judging from the significance of 0.005 it is <0.05 for the People's Business Credit variable. Therefore, the independent variable of People's Business Credit has a positive effect on the dependent variable MSMEs income. Thus, it can be concluded that People's Business Credit obtained from the Sentani Branch of Bank Papua is influential on the income of MSMEs in Jayapura Regency. The income of MSMEs in Jayapura Regency has increased and able to develop their businesses after using the credit.

Thinking Across Capability Model for Accessibility of People's Business Credit (KUR) Capital for Micro Business Actors

This research examines the central government's facilitation to foster the resilience of MSME actors through capital financing, namely the People's Business Credit (KUR) program. The implementation of capital assistance through KUR remains problematic, especially the accessibility. The main objective is to analyse the problem situations and dynamics of micro-business capital and provide recommendations in the form of an adaptive and innovative policy construction model to the government. This research utilises the Soft Systems Methodology (SSM) perspective, which can transform a complex, unstructured problem into a more structured problem situation and build a conceptual model that fits the context of the existing problem. The results indicate that the primary problem is the dominance of the KUR program’s policy control by the central government, which complicates capital accessibility, especially for micro businesses, and limits the authority of local governments. The proposed conceptual model focuses on thinking across capabilities, which allows the adoption of thoughts, opinions, and ideas outside the inherent cultural framework to create innovative and adaptive policy outcomes. The two main dimensions of the model application are delegated task and authority, which is the power to delegate and provide insight or the ability to produce innovative and adaptive thinking. This resulted in two recommendations for the mandate mechanism to local governments, namely (1) authorising local governments to make recommendations for business status based on mapping to provide a guarantee for micro-businesses (2) the authority of local governments to work with banks to facilitate the distribution and bureaucratic management of KUR financing to micro businesses.

Analisis Kinerja Keuangan pada PT. Bank Sinarmas Tbk yang Terdaftar pada Bursa Efek Indonesia Tahun 2019 – 2023

The strategic role of banking as an intermediary institution manifests through its ability to gather and channel funds from the public to support economic activities, ultimately enhancing the stability of the country's economic structure. The importance of banking health in the fund collection process requires a sound condition and banking services that attract public interest. Bank health evaluation can be conducted through various methods, including the CAMEL method covering capital, asset quality, management, earnings, and liquidity, as well as the RGEC method encompassing Risk Profile, Good Corporate Governance, Earnings, and Capital. Bank Sinarmas, as one of the public banks in Indonesia, has played a significant role in economic recovery through the distribution of People's Business Credit (KUR) and its success in maintaining the health of the banking sector. This research is descriptive with a quantitative approach, utilizing literature review and documentation as data collection techniques. The results of this study indicate that the financial condition of PT Bank Sinarmas Tbk from 2019 to 2023 can be classified as generally “healthy”. However, in terms of Asset Quality and Management aspects, it falls into the "Fairly Healthy" category, while in terms of Profitability, specifically the Return on Asset (ROA) ratio, it is categorized as "Less Healthy." The findings are expected to serve as a guide for the company, assisting in maintaining a healthy financial state and improving areas that are less healthy to uphold public trust. The research contributes to academic literature, serving as a significant reference for the development of financial management knowledge, particularly in the analysis of financial statements. It is also envisioned as a foundation for further research with similar focuses. As guidance for future researchers, it is recommended to broaden the scope of research by involving other financial ratio indicators, following the latest methods in accordance with the regulatory framework of financial institution supervision in Indonesia.

Faktor-faktor yang Memengaruhi Penyaluran Kredit Usaha Rakyat (KUR) Sektor Agribisnis Bank Papua

<p><em>The part of Micro, Small, and Medium Enterprises (MSMEs) is very strategic in the economy of Indonesia because of their ability to absorb labor, increase people's income and accelerate equitable development. However, limited capital is an obstacle to business development in the agribusiness sector, so to overcome this problem, the government provides People's Business Credit (KUR). KUR distribution through designated financial institutions and Bank Papua as one of the KUR distributors in the Provinces of Papua and West Papua. The distribution of KUR in the agribusiness sector of Bank Papua continues to decline, so this study analyzes the factors that influence the distribution of KUR in the agribusiness sector of Bank Papua. The independent variables used consist of KUR gross NPL in the agribusiness sector, CAR, DPK, inflation, KUR interest rates, GRDP in the agricultural sector, and the conditions of the COVID-19 pandemic. Multiple linear regression analysis to determine the effect of the independent variable (X) on the dependent variable (Y). This study used time series data for 29 periods. The results showed that Bank Papua's internal factors consisting of the gross NPL of KUR in the agribusiness sector, CAR, and DPK did not affect the distribution of KUR in the agribusiness sector but were more influenced by macroeconomic factors consisting of inflation, KUR interest rates and GRDP in the agricultural sector. The COVID-19 pandemic condition variable was included in this study as a dummy variable that did not affect the distribution of KUR in the agribusiness sector. The study results show that Bank Papua could be more efficient in running its business because it has yet to maximize inputs to produce outputs.</em></p>

Perception of people's business credit and own capital in increasing the productivity of MSME actors in Ciomas District, Serang Regency

Micro, small, and medium enterprises (MSMEs) in Indonesia are very important for economic growth and in efforts to overcome unemployment, poverty, and income equality. One of the problems for MSMEs in doing business is Capital Capital. This study aims to develop a model to examine the three variables the author has analyzed to determine the factors that can increase the productivity of MSME actors. This study used the associative descriptive quantitative method with a population of 90 respondents drawn into samples using non-probability sampling saturated sampling / total sampling. Data analysis techniques using linear regression with the help of SPSS software version 26. The results of this study show that the first hypothesis of people's business credit affects the productivity of MSME actors. Thus, the second hypothesis states that productivity influences the productivity of MSMEs. MSMEsproductivity of MSME actors is influenced by people's business credit and own CapitalCapital, which can simultaneously increase the productivity of MSME competitors rated to make theoretical contributions to the literature in this context, certainly in the context of t.

Introduction Of MSME (Micro, Small and Medium Enterprises) Products to Increase Selling Competitiveness at The Level 3 Seuhaaah Festival Event At Paris Van Java Mall

MSMEs (micro, small and medium enterprises) are the main drivers of the Indonesian economy which are now excellent in increasing employment The government in various sectors also helps the development of MSMEs, one of which is by providing KUR (People's Business Credit) loan facilities intended for MSMEs. Now MSMEs are very easy to recognize with various technological advances, one of which is social media which provides one way of promotion attractively. Wikaorganizer invites MSMEs to participate in celebrating the Level 3 Sehaaah Festival which will be held in Paris Van Java in collaboration with BJB held a flash sale in order to celebrate the right one on August 17 and gave vouchers for Rp.17,-. The Community Service program aims to provide education and invite MSMEs to introduce their products to increase their selling competitiveness during the Level 3 Seuhaaah Festival at Paris Van Java Mall. MSME owners were given the opportunity to participate in the event and try to compete with other business units in selling their products. During the Seuhaaah Level 3 Festival, MSMEs could attract consumer attention through creative and attractive product exhibitions. In this case, effective promotion and strong branding are key factors. In addition, participating in events like this allows MSMEs to build a wider business network, including with potential buyers and business partners. In this program, MSMEs can experience real benefits in increasing their sales competitiveness through participation in the Level 3 Seuhaaah Festival event. Therefore, increasing support and promotion of similar events can be an effective strategy in supporting the growth of MSMEs and the local economy as a whole.

Implementation of The Collaborative Funding Model for Sheep Fattening Farming at The Riungmukti Multipurpose Cooperative Kalapanunggal District, Sukabumi Regency, West Java

Sheep farming is an important income for rural communities. The fattening segment has better business prospects than breeding. This conducive business opportunity cannot be accessed bysheep farmerss, due to limited financial capital for purchasing fattening sheep. Community service activities aimed to provide funds to finance fattening by sheep farmers, using a crowdfunding system. Implementation of activities using the territorial mapping method, counseling and assistance to members and administrators of the Riungmukti Multipurpose Cooperative, Kalapanunggal District, Sukabumi, West Java. The program evaluation showed that crowdfunding system by strengthening the Ecobis 2-3-5 profit sharing pattern received appreciation from the majority of sheep farmers and investors. The Ecobis 2-3-5 pattern provides financial feasibility for investors, with a rate of return on investment value added of 11.42 percent/year, greater than interest on bank savings, deposits and interest on people's business credit loans (KUR). Cooperative program operational costs can be covered, as well as increasing employment and business opportunities for farmers. Increasing program performance can be done through investment promotions to attract investors, improving services to farmers, especially the movement to plant forage on empty and/or unproductive land with the addition of legume plants. It is necessary to run monthly communication forums between farmers for business motivation, exchange experiences, and increase the capacity for adopting science and technology.

Pengaruh Pembiayaan Kredit Usaha Rakyat (KUR) Terhadap Perkembangan Usaha Mikro Kecil dan Menengah di PT Bank BSI KCP Nagan Raya 2

People's Business Credit (KUR) can provide capital and encourage the development of community businesses which ultimately affects the income earned. For this reason, it is very important to develop KUR to reduce poverty levels and increase the contribution of MSMEs to the local economy. This research aims to see how KUR financing influences the development of MSMEs, and how this can help overcome the problems of unemployment and poverty and provide benefits to the community in Nagan Raya Simpang Peut. This research uses quantitative methods with a sample of 30 people from People's Business Credit (KUR) borrower customers at PT Bank BSI KCP Nagan Raya 2. The data collection technique uses a questionnaire, where after the data is collected it will be tested for validity and reliability to ensure validity and reliability. reliability of data obtained from respondents. Then afterwards it will be analyzed using the Likert scale technique. The findings obtained are that through KUR loans, MSME businesses can grow and develop because KUR can provide opportunities for MSME players to increase capital and expand operational scale so that they can increase production and product marketing. KUR has a positive impact, namely that it can increase income, welfare and provide new job opportunities.

Report on Making Business Legality through OSS MSMEs in Lempuyangan Village

Business legality is approval for the implementation of business activities given to individuals or groups of people from the authorized parties. One form of business legality is NIB (Business Identification Number). The existence of NIB can provide benefits for entrepreneurs, especially in terms of obtaining assistance from the government. There are still MSMEs that do not know or have received an NIB certificate, which is the main problem that is often encountered in Lempuyangan Village.
 This community service program aims to provide understanding, training and mentoring business legality in the form of online NIB via the Online Single Submission (OSS) application for MSMEs in Lempuyangan Village. MSMEs are targets in the NIB formation program. The methods used in this mentoring program are Research, Action and Participation. The result of this assistance is that MSMEs have knowledge about NIB, obtain an NIB certificate, which can then be used to develop their business, such as applying for people's business credit (KUR) and guidance from the government.

Analysis Of Aceh Province Kur Bsi Financing On Increasing Income Of Small Medium Enterprise Customers

This research aims to determine and analyze the factors of people's business credit (KUR), business development, workforce, productivity, distribution, business location, selling price, length of business relevant to increasing the income of MSME customers in Aceh Province. The factors studied are people's business credit (KUR), business development, workforce, productivity, distribution, business location, selling price, length of business relevant to increasing the income of MSME customers in Aceh Province and these relevant factors have a positive and significant effect on MSME customer income. With a sample size of 253 respondents, the data was collected by distributing questionnaires and processing the data using the Confirmatory Factor Analysis (CFA) analysis method and multiple linear regression analysis methods. This research is motivated by the development of the potential of Micro, Small and Medium Enterprises (MSMEs) in Indonesia which cannot be separated from banking support in channeling financing to MSME entrepreneurs. To reduce the problems faced by MSMEs, the government is trying to issue a People's Business Credit (KUR) program. Based on the results of the Confirmatory Factor Analysis (CFA) test in the KMO and Bartlett's test tables, it shows that selling price, productivity, distribution and length of business have a significant effect on the income of MSME customers in Bener Meriah Regency, Aceh. And the results of multiple linear regression testing show that the results of partial hypothesis testing show that selling price, productivity, distribution and length of business have a significant effect on the income of MSME customers in Bener Meriah Regency, Aceh.

Pengaruh Kualitas Pelayanan Terhadap Kepuasan Nasabah Pembiayaan Kredit Usaha Rakyat (KUR) Pada Bank Syariah Indonesia (BSI) Kantor Cabang Pembantu (KCP) Paser Tanah Grogot

The aim of this thesis is to determine the influence of service quality on customer satisfaction with People's Business Credit (KUR) financing at Bank Syariah Indonesia Sub-Branch Office (KCP) Paser Tanah Grogot. Based on the Validity Test which contains 26 statement items, it is declared valid, because rcount > rtable, with an rtable value of 0.3120. The results of the Reliability Test which contains 26 statement items are declared reliable, because the Cronbach alpha value is greater than 0.6 then the Multiple Linear Regression Equation which contains the value of each variable is Y = 1.488 - 0.001X1 + 0.313X2 - 0.035X3 - 0.216X4 + 0.560X5. Based on the Correlation Coefficient Test (R), it shows a value of 0.760 and is in the Coefficient interval 0.60 – 0.799, which means there is a strong influence between Direct Evidence (X1), Reliability (X2), Responsiveness (X3), Assurance (X4) and Empathy (X5) on KUR Financing Customer Satisfaction (Y). The results of the Adjusted R Square Determination Coefficient (R2a) show a value of 0.515 or 51.5%, which means that Direct Evidence (X1), Reliability (X2), Responsiveness (X3), Assurance (X4) and Empathy (X5) provide a percentage contribution or the contribution that influences the KUR Financing Customer Satisfaction variable (Y) at Bank Syariah Indonesia KCP Paser Tanah Grogot is 51.5% while the remaining 48.5% is contributed by other variables not included in this research. The results of the F test calculation analysis (simultaneous) obtained an Fcount value of 9.295 and Ftable using a significance level of 0.000 while the Ftable value was 2.49. So Fcount is 9.295 > Ftable value is 2.49 and the hypothesis test is accepted because there is a significant influence on KUR Financing Customer Satisfaction. The results of the t test calculation analysis show that the t value of the Reliability variable (X2) is 3.341 with a significant level of 0.002, Empathy (X5) is 4.017 with a significant level of 0.000 which has an influence on KUR Financing Customer Satisfaction (Y). Meanwhile, the t-calculated value of Direct Evidence (X1) is -0.007 with a significant level of 0.995, Responsiveness (X3) is -0.187 with a significant level of 0.853, and Guarantee (X4) is -1.819 with a significant level of 0.078 and has no effect on KUR Financing Customer Satisfaction (Y). Based on the calculations above, the Empathy variable (X5) has a dominant influence on KUR Financing Customer Satisfaction (Y) with a t value of 4.017 with a significance level of 0.000. Thus, the second hypothesis in Chapter II which states that the Guarantee variable (X4) has a dominant influence on KUR Financing Customer Satisfaction (Y) is not proven correct (H0 is accepted Ha is rejected).

Analisis Pengendalian Internal Terhadap Penyaluran Kredit Usaha Rakyat (KUR) pada PT Bank Pembangunan Daerah Jawa Tengah Kantor Cabang Pembantu Babadan Ungaran


 
 
 
 Internal control in a company is very important. Internal control will be used by the company as a guide in carrying out its operational activities. The purpose of this study was to determine the application of the internal control system in distributing people's business credit (KUR) implemented by PT Bank Pembangunan Daerah Jawa Tengah, Babadan Ungaran Sub-branch Office and to identify whether the internal control applied is in accordance with the control components according to the Committee of Sponsoring Organizations of The Treadway Commission (COSO), which includes the control environment, risk assessment, control activities, information and communication, and monitoring. The data used is qualitative data sourced from primary data and secondary data. Collecting data using interviews, questionnaires, and literature study. The writing method uses a descriptive qualitative method. The results of this study indicate that the implementation of the internal control system for the distribution of people's business loans (KUR) at PT Bank Pembangunan Daerah Jawa Tengah, Babadan Ungaran Sub-Branch Office has gone very well and the suitability of internal control components with internal control components according to the Committee of Sponsoring Organizations of the The Treadway Commission (COSO) has not fully complied with the risk assessment component, there are still bad credit and human error.
 
 
 
 
 Keywords:
 Internal Control System, Distribution of People's Business Credit, Standard Committee of Sponsoring Organization of The Treadway Commission (COSO)
 
 
 
 
 
 
 

The Influence of the Distribution Process , Productivity and Income of Micro, Small and Medium Enterprises To Distribution People's Business Credit (Kredit Usaha Rakyat)The Influence of the Distribution Process , Productivity and Income of Micro, Small and Medium Enterprises To Distribution People's Business Credit (Kredit Usaha Rakyat)

The aim of this research are 1) Analyze the factors that influence Micro , Small and Medium Enterprises (MSMEs) Submit People's Business Credit. 2) Formulate development ideas business For development marketing based on analysis internal environment and environment external company at PT Bank BRI (Persero) Tbk Pasar Minggu Branch Office , Jakarta. 3) Make a plan development marketing at PT Bank BRI (Persero) Tbk Pasar Minggu Branch Office , Jakarta based non- financial aspects and aspects financial .. Research methods used is method qualitative and method quantitative . Qualitative method with do observation direct as well as interview For study non- financial aspects covers market and marketing aspects , aspects organization and management, aspects source Power humans, and aspects collaboration. Quantitative method use analysis appropriateness effort on aspects financial . With data sources divided into two, namely, primary secondary data sources. Data collection methods include observation and questionnaires. After the data is summarized, it is then discussion and conclusions are drawn. Based on objectives , results and discussion so conclusion article This is For formulate hypothesis For research Next , namely : 1) Price has an influence on Purchasing Decisions ; 2) Reviews Online Consumers are influential on Purchasing Decisions ; and 3) Trust Consumer influential on Purchasing Decisions.

Implementation of the People's Business Credit (KUR) Program on the Welfare of Micro, Small, and Medium Enterprises (UMKM): A Study at BRI Bank, Lingkar Timur Unit Office, Bengkulu City, Indonesia

Implementation of the People's Business Credit (KUR) Program on the Welfare of Micro, Small, and Medium Enterprises (UMKM): A Study at BRI Bank, Lingkar Timur Unit Office, Bengkulu City, Indonesia

The Effect of Distribution of People's Business Credit (KUR) in The Agribusiness Sector and The Factors That Influence It on Papua Bank Performance

The Effect of Distribution of People's Business Credit (KUR) in The Agribusiness Sector and The Factors That Influence It on Papua Bank Performance

Kajian Efektivitas Pembiayaan KUR Mikro Dalam Pengembangan UMKM di Bank Syariah Indonesia (Studi Kasus di BSI KCP Bogor Pomad)

The Micro, Small, and Medium Enterprises (MSMEs) sector still faces several issues, such as a lack of capital for business development and limited access to financing from the banking sector. MSMEs play a crucial role in the Indonesian economy, contributing to 61.07 percent of the Gross Domestic Product (GDP) and employing 97 percent of the workforce. One of the government programs aimed at improving access to financing for MSMEs through financial institutions with a guarantee scheme is the People's Business Credit (KUR). This study aims to (1) identify the characteristics of MSMEs, (2) analyze the effectiveness level of KUR financing, (3) analyze the relationship between business characteristics and revenue growth, and (4) analyze customer satisfaction with these services. The methods used include descriptive analysis, validity reliability, cross-tabulation, chi-square, and Importance Performance Analysis (IPA). The results of the study indicate that out of 40 respondents who were customers of KUR financing at BSI KCP Bogor Pomad, the majority of them were engaged in trading and their businesses were located within a distance of 0.5 km-5 km. Their business objectives were primarily focused on working capital needs. After obtaining KUR financing from BSI KCP Bogor Pomad ranging from Rp10 million to Rp50 million, most customers reported monthly sales profits ranging from Rp1 million to Rp5 million, indicating significant assistance from KUR financing. Based on the analysis of the four aspects of financing effectiveness, the most dominant aspect is the accuracy in fund utilization with the highest value of 3.55. This finding is supported by three other variables: accuracy of financing amount (3.53), accuracy of margins (3.5), and accuracy of procedures (3.51). Regarding the relationship between business characteristics and revenue development, it was observed that the financing amount and the purpose of financing have a significant relationship (Chi-Square value <0.05). The results of the IPA analysis highlight the attributes that require improvement, which include clarity of the on-the-spot time for the notification of principle approval, speed of on-the-spot time for issuing the notification of principle approval, clarity of required costs, and speed of handling questions and complaints.

The role of local government in Reog Ponorogo MSME empowerment: A regulator, facilitator, and catalyst

This research aims to understand the role of the government as a regulator, facilitator, and catalyst in empowering MSMEs in Reog Ponorogo. The qualitative descriptive research method is used with data collection using observation, interviews, and documentation methods. The results of this research show that the role of local government as a regulator, facilitator, and catalyst in empowering MSMEs in Reog Ponorogo still needs to be improved. As a regulator, the local government should be able to create policies or regulations that agencies can implement to develop Ponorogo Reog MSMEs, such as agency uniform regulations that use Reog attributes in August. The government's role as a catalyst is to provide accessible trading permits for new MSMEs and provide stimulus in the form of people's business credit or KUR in collaboration with private parties in developing MSMEs with relatively simple application requirements.