People's Business Credit Research Articles

Dampak Program KUR Bank Rakyat Indonesia Terhadap Pendapatan UMKM Bidang Kuliner Di BRI Unit Bumi Beringin Kota Manado

This study aims to determine the impact of the People's Business Credit Program (KUR) of Bank Rakyat Indonesia on the income of MSMEs in the Culinary Sector at BRI Bumi Beringin Unit, Manado City. This research was conducted from April to September 2022. The selection of respondents was intentional. Primary data are data obtained from observation of business sources by interviewing through questionnaires to 25 culinary business owners, customers of KUR BRI Bumi Beringin Unit in Wanea District, Manado City and documentation. Secondary data is data obtained through Bank BRI Bumi Beringin Unit, and also obtained through books obtained from local bookstores and the internet through Google Scholar in the form of books, journal articles and theses related to the topic of this research, namely the Impact of the BRI KUR Program on MSME Income. . The results showed that the impact of the BRI KUR Program Bumi Beringin Unit had a positive impact on MSMEs in the Culinary sector in Manado City which was caused by the difference in income received by MSMEs in the culinary sector, the difference that occurred was from the KUR loan capital used which could assist in the development of MSME businesses so that the occurrence of increase in income after using KUR BRI Bumi Beringin Unit, Wanea District, Manado City.

Financial Inclusion Model for Micro, Small, and Medium Enterprises (MSMEs) Recipients of People's Business Credit

Financial Inclusion Model for Micro, Small, and Medium Enterprises (MSMEs) Recipients of People's Business Credit

MINAT PETANI PADI SAWAH TERHADAP PENGGUNAAN KREDIT USAHA RAKYAT (KUR) DI KECAMATAN TELUK DALAM KABUPATEN NIAS

Rice Farmers' Interest in the Use of People's Business Credit (KUR) in Teluk Dalam District, South Nias Regency, North Sumatra Province. The purpose is to determine the level of interest and the factors that influence it. This study was conducted from April 2022 to July 2022. The data collection method is observation, questionnaires and interviews. The data analysis method used Likert scale and multiple linear regression. The results show that level of interest of farmers to the use of People's Business Credit is moderate with an interest level of 48.2%. The results of multiple linear regression on the factors that influence farmers' interest obtain the following equation Y= -6.646 + 0.357 X1 + 0.093 X2 + 0.733 X3 - 0.486 X4. Further tests using t-count showed that the characteristics of farmers, the socialization of the KUR program and the characteristics of the KUR program had a significant influence with the t-count value greater than the t-table. Meanwhile, the involvement of agricultural instructors has no effect with t-count smaller than t-table.

Literature Review: Mitigasi Resiko dan Prosedur Penyelamatan pada Sistem Perkreditan Rakyat

Distribution of People's Business Credit is influenced by government regulations for the Bank and is expected to reduce the level of credit risk in Non-Performing Loans. So that many cause problems in the form of bad credit. Banks that provide KUR services are required to carry out risk management. The financing risk faced by Islamic banking is one of the risks that needs to be managed properly due to internal errors. The method in this research is a literature study by reviewing some of the results of previous research which originates from national and international articles. The research results were analyzed and used as material for discussion to determine answers to problems regarding the relationship between risk mitigation and rescue procedures in the people's credit system. All ideas from each study provide information about the methodologically desirable theory of the study being analyzed. The results of the literature review show that proper handling is needed by loan managers such as banks or cooperatives in overcoming various problems in the procurement of people's credit, namely KUR. One that is done is risk mitigation and rescue procedures to avoid losses to the manager.
 Keywords: Risk Mitigation, Rescue Procedures, People's Credit, Banking.

Analisis Faktor Penyebab Ketidaktercapaian Target Kredit Usaha Rakyat di Bank Tabungan Negara Cabang Magelang

KUR is a program that is in great demand by the community, especially those who have entrepreneurs. Bank BTN Magelang branch has a KUR program but for the last 3 years it has not been able to achieve the target set. The purpose of this study was to identify the factors that caused the non-achievement of targets in the People's Business Credit (KUR) program at the Magelang branch of BTN. This research method is descriptive qualitative, using primary data obtained directly from interviews with related field implementers and indirectly through related document reports. The results of the research conducted indicate that the business process of the People's Business Credit (KUR) program at the Magelang branch of bank BTN goes through several interrelated stages, namely marketing, surveys or OTS (On-The Spot), credit analysis and proposals, documentation and administration, contracts. and disbursement, monitoring, and evaluation. In the program, there are several factors that caused the target not to be achieved, including the lack of competent human resources for implementing the KUR program system, non-optimization of the KUR program system, and unqualified customers causing delays in the KUR process.

SOCIALIZATION OF PEOPLE'S BUSINESS CREDIT POLICY TO THE SMALL AND MEDIUM INDUSTRIES OF METRO CITY BLACKSMITHS

The impact of the Covid 19 pandemic in 2020, Indonesia recorded a drastic deflation or decrease of -2.07%. The Small and Medium Industry (IKM) is one of the sectors that has been affected. The main obstacle experienced by SMEs is capital. Responding to these problems, the government has actually issued a policy on People's Business Credit which provides convenience and low interest. Its implementation is regulated in the Regulation of the Minister of Economic Affairs of the Republic of Indonesia Number 1 of 2022 concerning Guidelines for the Implementation of People's Business Credit, but there are still many people who do not understand and have access to this policy, one of which is the Blacksmith IKM actors in Metro City. This Community Service was held on November 1, 2022 at the Grand Venetian Hotel Ballroom through outreach and discussion. The purpose of this service is that the Blacksmith IKM actors can take advantage of the KUR program so that their businesses can develop more.

Pengaruh bantuan kredit usaha rakyat PT. Bank Syariah Indonesia tbk. kantor cabang pembantu peukan kota terhadap tingkat pendapatan usaha mikro kecil dan menengah

The existence of MSMEs is very useful to support or increase people's income. Therefore, it is important for the government to contribute properly in supporting and empowering MSMEs to be increased, one of which is financing support in the People's Business Credit program in Islamic banking, including at Bank Syariah Indonesia. This study aims to determine the effect of distribution of People's Business Credit on the income level of MSMEs. The population in this study amounted to 200 people and 67 people were taken as a sample using the slovin formula. This type of research uses a quantitative method, the analysis used is a simple regression test, t test, and the coefficient of determination using SPSS 25. The results of the research conducted show that the t-count value is 4.299 > t-table is 1.997 with a significance of 0.000 <0.05 thus Ho is rejected and Ha is accepted, meaning that KUR distribution has a positive and significant effect on the income level of MSMEs.

Pengaruh Pemberian Kredit Usaha Rakyat Syariah terhadap Perkembangan Usaha Pedagang Mikro di Pasar Leuwiliang

The method in this study is a quantitative method, taking data directly from the object of research in this case the Leuwiliang Market by presenting facts or facts that occur in the field observed through observations, field notes and distributing questionnaires to traders with a Likert scale. This study aims 1) To determine the process of providing Sharia People's Business Credit (KUR) in the Leuwiliang market? 2) To know the development of micro merchant business in Leuwiliang Market? 3) To determine the effect of Sharia People's Business Credit on Micro Trader Business Development in Leuwiliang Market? with the results of the product Moment coefficient (rxy ) = 0.724, if it is converted to the value of degrees of freedom for the value of N = 50, namely the 5% significance level is 0.273, while for the 1% level it is 0.354, considering that rcount is 0.724, it is greater than rtable, either in the 5% or 1% significance level. So it can be concluded that the correlation between the variables X and Y there is a strong or high correlation.
 Key words : Islamic Curriculum and Micro Merchant Business

PROBLEM SOLVING ANALYSIS OF PEOPLE'S BUSINESS CREDIT FINANCING BASED ON MURABAHAH AGREEMENT AT PT. BANK SYARIAH INDONESIA TBK. MAGELANG SINGOSARI SUB-BRANCH OFFICE

This study aims to determine the resolution of murabahah contract problems related to the factors that influence the micro-financing of the People's Business Credit (KUR) carried out by the financial institution PT Bank Syariah Indonesia Tbk., Magelang Singosari Sub-Branch Office in channeling People's Business Credit (KUR) funds. The method used in this study is descriptive qualitative and data analysis used in this study uses primary and secondary data. The results of the analysis of customer funding of Bank BSI Magelang Singosari Sub-Branch Office are inseparable from the factors and risks. One of them is bad money, which causes a decrease in bank liquidity and affects the reliability of customer savings. In the case of non-performing loans, banks must analyze the factors that affect bank liquidity so as not to cause losses and provide an analysis of bad credit settlement through time relief and installment assistance, especially if the creditor is affected by a disaster, if it is not paid on purpose, it will be confiscated.

PEMBIAYAAN UMKM DAN LIKUIDITAS TERHADAP RESIKO PEMBIAYAAN BANK UMUM SYARIAH DI INDONESIA PERIODE 2019-2021

Poor financing quality can affect company profits and revenues, decreased profits have an impact on the ability of banks to channel financing which causes Islamic banking to experience financing risks or problematic financing. This study aims to find out how the independent variables (MSME financing and liquidity) influence the dependent variable (financing risk) of Islamic commercial banks in Indonesia for the 2019-2021 period. The method used in this study is quantitative with descriptive statistics, the classic assumption test, namely the normality test, multicollinearity, autocorrelation, and heteroscedasticity test, is also equipped with hypothesis testing, namely the t (partial) test and f (simultaneous) test. The population used in this study is the statistical financial reports of Islamic commercial banks with samples of MSME, FDR and NPF data for 2019-2021 obtained from the Financial Services Authority. From OJK data, the results show that MSME financing does not have a significant effect on financing risk because there is a guarantee from the government to the community, namely the people's business credit program (KUR) which is channeled through Islamic banking institutions, good and bad bank liquidity does not have an impact on financing risks and financing risks occur because problematic financing from customers is not caused by Islamic banking institutions or liquidity owned by Islamic banking. The conclusion of this study is that the Ho hypothesis is accepted, showing that one or both of the independent variables (MSME financing and liquidity) have no effect on the dependent variable (financing risk) of Islamic general banks in Indonesia for the 2019-2021 period.

The Effect of People Business Credit (KUR) on Rice Field Business Income in Tinanggea District

Lack of capital in farming can lead to a lack of input, causing a risk of failure or low production. The problem regarding the lack of capital is faced by farmers so that to achieve progress in farming usually takes a very long time. Therefore, farmers in Lanowulu Village and Roraya Village take credit to increase farming capital. This study aims to determine the difference in lowland rice farming income before and after receiving KUR and to determine the effect of KUR on farm income in Tinanggea District, South Konawe Regency. The population in this study were all 60 farmers in Lanowulu Village and Roraya Village who received KUR. Sampling was carried out using a non-probability sampling method, namely through the saturated sampling method (census), where the entire population was sampled. Analysis of the data used is the T-Test test to determine the difference in income before and after receiving KUR and multiple linear regression analysis to determine the effect of KUR on rice farming income after receiving KUR. The results showed that there were differences in the income of lowland rice farming before receiving KUR and after receiving KUR. Farming income after receiving KUR with a significance value of 0.000. People's Business Credit (credit amount, credit usage, credit installment) has a significant effect on farm income in Tinanggea District, South Konawe Regency.

Analysis of the Impact of People's Business Credit (KUR) in the Development of Micro, Small and Medium Enterprises in Telaga Jaya and Tilango Sub-Districts, Gorontalo Regency

This study aims to analyse the impact of People's Business Credit (KUR) in the development of Micro, Small and Medium Enterprises in Telaga Jaya District and Tilango District, Gorontalo Regency. Based on the results of the analysis, People's Business Credit (KUR) is still a prima donna for every MSME business actor. The ease provided by banks in providing KUR facilities for MSME actors is a factor that causes high interest in MSME business actors to get credit in the Telaga Jaya and Tilango sub-districts, which are mostly engaged in the culinary trade, services and agriculture business sectors. Government support for business actors to obtain KUR facilities is also a means of controlling and supervising the smooth payment of KUR by MSME business actors.

DETERMINASI KINERJA KEUANGAN UMKM DI KABUPATEN BENGKALIS PADA MASA PANDEMI COVID 19

The Covid 19 pandemic has had an impact on MSMEs. This study aims to determine and examine the effect of Equity Capital, Business Location, Length of Business, Number of Manpower and People's Business Credit on MSME financial performance. This research was conducted in Bengkalis Regency. The sample used in this study were 100 respondents of MSMEs registered at the Department of Industry, Trade, Cooperatives, and MSMEs in Bengkalis Regency with a random sampling technique. The type of data used in this research is quantitative data. Then the source of data used in this study is primary data. Data collected by using a questionnaire. The data analysis technique used is SPSS, 26The results of this study indicate that Own Capital, Business Location, Length of Business, Number of Manpower and People's Business Credit have a significant influence on MSME financial performance in Bengkalis Regency

Mechanism For Applying For Kredit Usaha Rakyat On Bank Rakyat Indonesia


 
 
 
 Purpose - The purpose of this writing is to find out how the procedure for granting People's Business Credit and for the process of approval or rejection of People's Business Credit.
 
 
 
 
 Design/methodology/approach - The method used in this research is descriptive qualitative research method. The techniques used in data collection where the data sources obtained are primary and secondary data.
 
 
 
 
 Finding - PT. Bank Rakyat Indonesia, Tbk has procedures that must be followed in granting People's Business Loans. In addition, PT. Bank Rakyat Indonesia, Tbk also applies the precautionary principle, this aims to minimize the risk of non-performing loans which can occur at any time. In the procedure for granting credit, there needs to be good cooperation between the bank and the debtor so that the credit granting process goes well. From the results of the discussion, the Procedure for Providing People's Business Credit (KUR) Case Study at PT. Bank Rakyat Indonesia, Tbk Karangantu Serang - Banten Branch Office is in accordance with predetermined procedures and the bank has criteria in overcoming processes that occur in the procedure for granting People's Business Credit so that the credit granting process can run properly and according to procedure..
 
 
 
 
 Originality -
 
 
 

THE PROVISION OF UNSECURED PEOPLE'S BUSINESS CREDIT (KUR) BASED ON LAW NO. 10 OF 1998 (STUDY AT PT. BANK BRI PULO BRAYAN BRANCH UNIT I)

One of the attractive services for the MSME group is the existence of one of the banking services offered by PT. Bank BRI Pulo Brayan Branch Unit I Medan, namely the People's Business Credit (KUR) based on the Minister of Finance Regulation Number 135/PMK.05/2008 concerning the People's Business Credit Guarantee Facility (KUR). However, it is important to note that the implementation of Unsecured KUR has a high degree of risk, so that countermeasures are needed to avoid the occurrence of non-performing loans (NPL). The research method used is normative-empirical legal research. Normative research is carried out and based on written provisions or other legal materials, while empirical research is carried out with a sociological approach obtained from primary data whose samples are directly from the community as the first source through field research. The activity of providing Unsecured KUR by PT. Bank BRI Pulo Brayan Branch Unit 1 Medan is based on a legal agreement that has legal consequences by adhering to the Pacta Sunt Servanda principle by applying the 5C+7P+3R principle which aims to prevent non-performing loans (Non Performing Loans) in the future.

Pemanfaatan Aplikasi Lamikro Dalam Pengelolaan Keuangan Usaha Mikro, Kecil dan Menengah (UMKM) Kota Jayapura

This service activity aims to provide training on traditional (manual) accounting records by introducing large accounts in accounting books and the introduction of the Lamikro application and its use in recording daily financial transactions online to MSME actors in Jayapura City. In addition, Lamikro financial reports produced by MSME actors can be used in applying for people's business credit / KUR loans at banks. The training was held on 2 and 3 July 2021, the training was divided into 2 activities, namely on 2 July 2021 an introduction training was held on micro-applications and transaction practices encountered by business actors on a daily basis. This activity was carried out in the Accounting Department Lab and was attended by 5 people out of 10 people who registered. The activity on July 3, 2021 was carried out with assistance to every business actor in the city of Jayapura. The assistance takes place accompanied by an introduction to the recording of transactions based on the Lamikro application. In this activity, assistance was provided to 15 business actors spread across the city of Jayapura. Assistance activities are carried out by complying with applicable health procedures. Community Service Activities are also carried out pre-post tests during the implementation of the activities, with the aim of measuring the extent of understanding of the introduction material that has been given during the training process.

KUALITAS PELAYANAN PUBLIK DI PEMERINTAH DESA ENTALSEWU KECAMATAN BUDURAN KABUPATEN SIDOARJO

The purpose of the study was to analyze and describe the quality of public services in the Entalsewu Village Government, Buduran District, Sidoarjo Regency. The research method was carried out qualitatively with a case study approach. Collecting data by interview, observation and documentation. Data processing with reduction, data presentation and conclusion drawing. The validity of the data with credibility test through triangulation of sources and techniques. The results showed: (1) the ability of human resources: first, skilled in compiling and storing public service files. Second, have a good knowledge of filing and administering services. Third, have a disciplined attitude to work, friendly and fair in service. (2) the facilities and infrastructure used: computers, handtrees, filing cabinets, waiting rooms. (3) service procedures: starting from the head of the neighborhood unit or residents, continued at the village office and other government offices (4) types of public services, namely the management of police records, certificates of inability to education and health, management of loss, birth management, death management, marriage management, business domicile management, business license information processing, moving location management, travel management, people's business credit management, management of decreasing or adding electricity power and managing different names.

Analysis of Accounting Information Systems in Supporting Internal Control of People's Business Credit (KUR)

A proper business is a business carried out by prospective debtors that can be profitable so that prospective debtors are able to pay interest and can repay all debts/credit principal obligations within the time agreed upon between the executing bank and the debtor. While what is meant by not yet bankable is MSME-K that has not met the financing requirements of the implementing bank in providing collateral or it can be said that it has not been able to meet the financing requirements in accordance with the provisions of the implementing bank. This research uses qualitative methods, according to Sugiyono (2011) qualitative research methods is a research method based on post-positivism philosophy, used to examine the condition of natural objects, (as opposed to experimentation) where the researcher is the key instrument, the sampling of data sources is carried out purposively and snowball, the collection technique is tri-angulation (combined). , data analysis is inductive or qualitative, and qualitative research results emphasize meaning rather than generalization. Based on the above analysis in terms of the credit assessment used in granting credit decisions. So it can be concluded as follows: Implementation of the Accounting Information System and internal control in the provision of People's Business Loans to the Limited Liability Company of Bank BRI Jabon unit which includes the Control Environment Component, Risk Assessment Component, Control Activity Component, Information and Communication Component, Monitoring / Supervision Component. according to COSO

Growth of banking credit in indonesia influence on economic growth in the pandemic

The economic downturn in Indonesia has been experienced since Covid-19. Impact on various sectors of the world economy. Significant changes experienced by Indonesian citizens. Covid-19 pandemic is a challenge for the business world, including the banking financial services industry. This caused the state financial system to be shaken until 2021. This study aimed to examine how the development of credit at Bank Rakyat Indonesia (BRI) during pandemic. BRI in carrying out its function as an intermediary banking institution, such as collecting funds and distributing funds to run its duties and functions amid the Covid-19 pandemic. This research is qualitative research with a phenomenological method approach since the research was conducted in a conditionsof social phenomena specifically in Gegesik sub-district, Cirebon Regency, with four customers as primary subjects, two marketing and one teller as secondary subjects. The discussion is described in the form of descriptive analysis. The results of the study show that the Covid-19 pandemic has had a major impact on the decline in the world economy for micro and macro business actors in Indonesia, including the MSME sector. To overcome this, the Government seeks to overcome these problems by issuing the People's Business Credit (KUR) program. There is a change in the 2022 period when the monthly installments are smooth. However this medium growth rate is not enough to answer the problem of disease and mission. To overcome this, optimism is needed that the MSME sector can recover in 2022 and of course it is supported by the right policies.

PENGARUH JUMLAH TANGGUNGAN, PENDAPATAN DAN BESAR PINJAMAN TERHADAP TINGKAT KELANCARAN PENGEMBALIAN KREDIT USAHA RAKYAT (KUR) MIKRO PADA BRI CABANG LARANTUKA

This study aims (1) to determine the effect of the number of dependents on the smooth rate of return of Micro People's Business Credit (KUR) at BRI Larantuka Branch. (2) to determine the effect of operating income on the smooth rate of return of Micro People's Business Credit (KUR) at BRI Larantuka Branch. (3) to determine the influence of the size of the loan on the smooth rate of return of Micro People's Business Credit (KUR) at BRI Larantuka Branch. This research is a quantitative research which is a type of research whose specifications are systematic, planned and clearly structured from the beginning to the research design. Data were collected by observation, interviews, questionnaires and literature study using multiple linear regression analysis techniques. The results of this study indicate that (1) The number of dependents has a significant effect on the level of smoothness of Micro People's Business Credit (KUR) repayments at BRI Larantuka Branch. This can be seen from the tcount > ttable (3.204 < 1.70562) with a significance level (0.004 < 0.05). (2) Income has a significant effect on the smooth rate of return of Micro People's Business Credit (KUR) at BRI Larantuka Branch. This can be seen from the tcount > ttable (2.830 < 1.70562) with a significance level (0.009 < 0.05). (3) The size of the loan has a significant effect on the level of smoothness of Micro People's Business Credit (KUR) repayments at BRI Larantuka Branch. This can be seen from the tcount > ttable (4.394 < 1.70562) with a significance level (0.000 < 0.05).