People's Business Credit Research Articles

THE LEGAL ANALYSIS AND THE IMPACT OF NOT DELETING OLD DATA IN INFORMATION SYSTEMS OF CREDIT PROGRAM ON KUR FINANCING FOR MICRO, SMALL AND MEDIUM ENTERPRISES

This study focuses on the importance of deleting data from the Program Credit Information System for People's Business Credit for MSME customers who have paid off their financing and re-apply for People's Business Credit facilities financing facility assistance from the government, by analyzing legal policies that regulate People's Business Credit facilities financing through Program Credit Information System in Indonesia and knowing the impact of not deleting Program Credit Information System data on People's Business Credit financing for MSME customers in Semarang Syari’ah Banking. This research uses empirical legal research method, with descriptive-analytical method. Based on the research that has been done, the legal arrangements and policies for People's Business Credit financing through Program Credit Information System in Islamic Banking are regulated in the Coordinating Minister for Economic Affairs Regulation Number 2 of 2021 concerning the Second Amendment to the Coordinating Minister for Economic Affairs Regulations Number 8 of 2019 concerning Guidelines for the Implementation of People's Business Credit; and the Coordinating Minister for Economic Affairs Regulations Number 3 of 2021 concerning the Fourth Amendment to the Coordinating Minister for Economic Affairs Regulations Number 6 of 2020 concerning Special Treatment of People's Business Credit facilities during the Covid-19 Pandemic. The impact of not deleting Program Credit Information System data for People's Business Credit financing customers for MSME actors in Islamic Banking includes positive and negative impacts. The positive impact is the existence of a data base for MSME actors as customers of People's Business Credit Financing at Program Credit Information System, becoming a guideline or benchmark for banks in distributing People's Business Credit facilities and the negative impact is the existence of a People's Business Credit financing database for MSME actors who pay off their financing if it is still listed in Program Credit Information System as a digital track record of People's Business Credit financing for SMEs in other Islamic banking and can be an obstacle/obstacle in obtaining People's Business Credit facility assistance from the government.

PERANAN KREDIT USAHA RAKYAT (KUR) PADA PERKEMBANGAN USAHA MIKRO, KECIL DAN MENENGAH (UMKM)

This study aims to determine the influence of KUR funds (People's Business Credit Loan Capital) on the expansion of MSMEs in the South Jakarta Region. This approach combines a qualitative framework with a descriptive approach. The research lasted two months, beginning in February 2022 and concluding in March 2022 in South Jakarta's, especially on modern beverage SME sector. This study discovered that the financing of BRI KUR funds for modern beverage MSMEs in South Jakarta was highly effective. Currently, beverage vendors acknowledge that after receiving KUR funds from BRI, their businesses are expanding, beginning with an increase in revenue and an expansion of the necessary infrastructure. This is due to the fact that the financing of KUR funds by BRI not only provides assistance in the form of funds, but also monitors the growth of each MSME business, making MSME business owners feel extremely supported. The role of KUR financing in the development of modern beverage MSMEs in the South Jakarta region can boost business productivity, particularly for Tebet, South Jakarta-based MSMEs. This demonstrates that the KUR funds provided by BRI have a positive effect on the growth of MSMEs, as initial profits and profits after receiving KUR funds are always higher than initial profits.

Pengaruh Pemberian Kredit Usaha Rakyat Terhadap Pendapatan Umkm Di Kota Pariaman Pasca Covid 19

This study aims to determine the effect of providing people's business loans on the income of MSMEs in Pariaman City after the Covid 19 Pandemic. This title is based on the economic phenomenon that has occurred in recent years, the occurrence of covid-19 is the main factor for MSME actors to borrow KUR to increase business capital. , where we know the lowest KUR interest rate compared to other loan models. This research uses quantitative research. Data taken by distributing questionnaires to MSME actors who received KUR financing in Pariaman City after covid 19. With the results of the study, it was stated that the results of the tests that have been carried out prove that the provision of People's Business Credit has a significant effect on the income of MSMEs in Pariaman City after the Covid 19 Pandemic, and it can also be seen that the R Square value is 0.378 or 37.8%. This means that the Effect of Public Business Credit Provision of 37.8% on MSME Income in Pariaman City after the Covid 19 Pandemic. The remaining 62.2% is influenced by other variables outside of the this research variable.

Maize Farmer Partnership Sustainability Study in the Post Arisa Project (Applied Research and Innovation System in Agriculture) in Kayangan District, North Lombok Regency

The University of Mataram is coordinating the ARISA Corn (Applied Research and Innovation System in Agriculture) Intervention Project, which includes partners such as Bank NTB Syariah, PT. Syngenta, the Department of Agriculture, Retailer of Subsidized Fertilizers, and buyers of produce have exceeded their target of increasing 30% in revenue. The purpose of this study consisted of a general objective, namely to analyze the sustainability of the ARISA partnership project in the village of Gumantar, Kayangan District, North Lombok Regency and a specific purpose to analyze the sustainability of the partnership of corn farmers who carried out the ARISA project in the village of Kayangan District, North Lombok Regency. This study uses descriptive methods and data collection techniques with survey techniques. The sampling technique used was purposive sampling (deliberately) with the consideration that only 1 of these villages participated in the ARISA project at the beginning of the project. The technique of determining respondents using proportional sampling was determined by 15 respondents because only the corn farmers participated in the ARISA project from the beginning to the end of the project. The data analysis used is qualitative descriptive analysis. The results show that the sustainability of the partnership in the ARISA project is still ongoing even though the program has ended in 2018. The partnership between farmers and Unram does not continue in terms of the application of technology. The partnership with Bank NTB Syariah through the application of people's business credit applications and purchasing inputs according to recommendations with new suppliers is still ongoing. Field agricultural extension staff manage and coordinate fertilizer distribution with RDKK and merchants. The collaboration with yield buyers continues with new purchasers.

A Study on Entrepreneurship Education in Western Countries: Retrospectives on Entrepreneurship Curricula and Instructions

Unemployment is now a major problem that must be resolved immediately. The unemployment rate in Indonesia is higher than in western countries. This is because the number of entrepreneurs in Indonesia is still deficient. This study is conducted to synthetically analyze the empirical experiences of enhancing entrepreneurship in Western countries. This further understanding will be transformed and applied to Indonesian universities and societies. This study uses literature analysis approaches to find references to relevant theory with the hope that researchers can in-depth understand the experiences and the significant factors facilitating entrepreneurship in Western countries. At the end of the study, the authors conclude that the success of entrepreneurship in western countries is due to central government support for entrepreneurship. Therefore, the success of entrepreneurship in western countries that can be applied in Indonesia, such as (1) the Indonesian government must endeavor to oblige all universities in Indonesia to provide entrepreneurship classes, (2) promote entrepreneurship education and make entrepreneurship a priority, (3) implementing entrepreneurship in educational curricula at all levels, starting with preschool. , (4) providing educational scholarship facilities for economic and business actors to become entrepreneurs, (5) providing (people's business credit) with low interest for business.

Effectiveness of the Distribution of KUR (People's Business Credit) for the Development of Micro, Small and Medium Enterprises in Pangkalpinang City

People's Business Credit (KUR) is a credit guarantee program, where this program is channeled to MSMEs who need additional loan funds for their businesses so that they can increase business productivity. After the program runs, the guarantee institution ensures that the program has been running productively or effectively so that the target for the distribution of the KUR program is achieved. The purpose of this study was to analyze the effectiveness of the distribution of People's Business Credit (KUR) and its effect on improving the performance of micro and small enterprises. The type of research used in this research is descriptive research. Descriptive research pays attention to the actual problem as it was at the time the research took place. Through descriptive research, researchers try to describe events and events that are the center of attention without special treatment for these events. The last stage in data analysis is drawing conclusions and verification. The results of this study indicate that KUR in the city of Pangkalpinang can be said to be effective, because it has met the requirements set by the government.

The Impact of People's Business Credit Program, Minimum Wage, and Investment on Indonesian Poverty

Poverty is one of the serious problems inhibiting the national development process in Indonesia. It is usually measured for a person using the benchmarked poverty line with the values observed to be different between regions. This means some areas have a high poverty line while some have a low poverty line and this further influences the poverty rate in the country. Therefore, this survey was conducted to determine the impact of People's Business Credit (KUR), State Minimum Wage (UMP) and investment on Indonesian poverty. Processes involving the use of secondary data over the period 2016-2021analyzed by multiple regression analysis using a panel data approach and E-views. The results showed that KUR and investment do not have a significant influence while UM has a significant effect on poverty alleviation.

Analysis of the Ease of Micro IB Financing at PT BSI KCP Kampung Tax in the Covid-19 Pandemic Period

The COVID-19 pandemic has had an impact on the Indonesian economy. The decline in economic performance is not only experienced by large multinational and national industries, but also experienced by MSME actors. This research aims to identify the usability of social funds in Islamic banks for MSMEs due to the Covid-19 pandemic. The approach used in this research is qualitative. The author uses secondary data from various literatures such as books, and homepages to access the latest information and data related to the policy of saving MSMEs due to the COVID-19 pandemic. The author said that Islamic banking, especially at the Sharia Bank KCP Kampung Tax serves to protect MSMEs during the Covid-19 pandemic, by helping the distribution of government programs, namely KUR (People's Business Credit) providing concessions to entrepreneurs affected by the Covid-19 pandemic and facilitating the financing process. for entrepreneurs as has been inaugurated by the government through PJOK Regulation No. 11 of 2020.

PERAN LEMBAGA PERBANKAN DALAM PEMBERDAYAAN PEREMPUAN

People's Business Credit (KUR) is a government program to increase Small, Micro, and Medium Enterprises (UMKM). Micro Business Loan (KUR) is a credit for financing productive business segment of micro, small, medium, and cooperative feasible but not yet bankable for working capital and / or investment credit through direct and indirect financing pattern (linkage) guaranteed by Lembaga Penjamin Kredit. This study aims to examine how the implementation of KUR distribution and its role in the empowerment of women. This research uses mixed methods method. The sample in this research was 71 respondents who were drawn using Taro Yamane formula with precision 0,1. The location of this research is PT. Bank Mandiri branch of Medan Iskandar Muda (Tbk). The results of this study show that the distribution system of KUR PT. Bank Mandiri branch of Medan Iskandar Muda (Tbk) through nine stages using the 5 C standard (Capital, Collateral, condition, character, capacity) as the implementation guideline. The results of the study of obtaining the KUR program have a good impact on the business development and personal debtor. This is because the survey system conducted on an ongoing basis by PT. Bank Mandiri branch of Medan Iskandar Muda (Tbk) forced the debtor to discipline in financial management.

Kredit Usaha Rakyat dan Perkembangan UMKM di Kabupaten Simeulue Pasca Covid-19

Abstract :
 People's Business Credit (KUR) is a form of government program in increasing access to financing for Micro Small and Medium Enterprises (MSMEs) with low-interest rates, this program is channeled through financial institutions with guarantee patterns. KUR funds are given to people who have productive businesses with varying amounts to the business conditions involved, but during the covid-19 pandemic, the MSME sector also experienced the difficulty of installment returns, so this study was conducted to answer two fundamental questions, are: how KUR funds in the review of sharia economic law and how the fate of MSMEs during the covid-19 pandemic in Simeulue Regency. This research is qualitative research and data collection techniques using observation, interview, and documentation, while data analysis uses descriptive techniques. Based on the results of research it can be concluded that in the incarnation of Sharia economic law regarding KUR there are two opinions, first declaring the law haram because it includes riba, while the second opinion asserts that the legal KUR can and does not include riba. The difference lies in whether or not the interest of the KUR. Then the influence of covid-19 on MSMEs in Simeulue Regency is bad for the development of community businesses due to the lack of buyer interest so that the weakening of their income and the effect on delayed installment payments beyond the due date.

PENGARUH KREDIT USAHA RAKYAT (KUR), PENYERAPAN TENAGA KERJA DAN LAMA USAHA TERHADAP PENDAPATAN PENERIMA KUR DI KECAMATAN DENPASAR TIMUR

MSMEs have an important existence because they are supporters of the national economy (Adebayo and Moshood, 2014). Realizing the huge role of MSMEs in the national and regional economy, especially in Denpasar City, it is natural to get greater attention to the existence of MSMEs, especially in strengthening the people's economy in Bali Province. Thus, it is hoped that the provision of People's Business Credit (KUR) can increase the income of business actors. Other benefits, it is hoped that business production will increase and job opportunities will also be wider.
 This study aims to analyze 1) the effect of People's Business Credit (KUR) on the income of KUR recipients, 2) the effect of labor absorption on the income of KUR recipients, 3) the effect of length of business on the income of KUR recipients in East Denpasar District. This study uses primary data for KUR recipients in East Denpasar District. The data were then analyzed by multiple linear regression analysis.
 The results of the analysis show that there is a positive and significant effect of KUR on the income of KUR recipients in East Denpasar District. There is a positive and significant effect of length of business on the income of KUR recipients in East Denpasar District. There is a positive and significant effect of employment on the income of KUR recipients in East Denpasar District. There is an effect of KUR, length of business, and absorption of labor together on the income of KUR recipients in East Denpasar District.

Strategi Bauran Pemasaran Produk Kredit Usaha Rakyat terhadap Minat Nasabah pada Bank Syariah Indonesia KC Suniaraja

The purpose of this study is to analyze the influence of the marketing mix, including product, price, place, promotion, employee, and process, as well as physical evidence of customer interest in the People's Business Credit product at Bank Syariah Indonesia KC Bandung Suniaraja simultaneously or partially. The population that the researcher used in this study is KUR customers at Bank Syariah Indonesia KC Suniaraja. In addition, the analytical methods used in this study are the descriptive analysis method and the multiple regression analysis method using SPSS 26. The data collection technique for this study was used by distributing questionnaires, which resulted in 80 respondents. The hypotheses tested were the T-Test and the F-Test. Based on the results of the study, it was proved that partially the product, place, promotion, process, and employees did not have an impact on customer interest, but price as well as physical evidence had an effect on customer interest. Simultaneously, all these variables have an impact on customer interest in choosing KUR products at Bank Syariah Indonesia KC Bandung Suniaraja.

The Role Of Public Business Credit Financing By Financial Institutions On The Development Of MSME

The Role of General Business Credit Financing by Financial Institutions in UMKM Development. Bank Indonesia Regulation No.14 / 22 / PBI / 2012 shows the government's attention to the KUR capital policy for MSMEs. However, the financing obtained from financing institutions may not be used optimally by MSMEs to run and develop their businesses. The role of financial institutions is still needed, apart from being a means of generating funds, also as a business facilitator, for example in the fields of management, markets and marketing, as well as finance as a means of providing funds will be easier to do when compared to the role of a facilitator for MSMEs. This research uses a qualitative approach. The research sample of 30 MSMEs in Bali Province received KUR funds from KSP Guna Prima Dana. The result of this research is that there is an increase in sales turnover, labor, and the number of customers after receiving KUR funds from KSP Guna Prima Dana. UMKM receiving KUR (People's Business Credit) financing from KSP Guna Prima Dana have experienced business development because the majority of sales turnover after receiving KUR funds is more than the sales turnover before receiving KUR funds.

PEMBIAYAAN KUR BSI UNTUK PERKEMBANGAN UMKM DI DESA EMBONG IJUK KABUPATEN KEPAHIYANG

ABSTRACTThe People's Business Credit (KUR) is a Government Program in the context of empowering UMKM. This is a program that has been implemented by Bank BSI to assist in the development of UMKM through the KUR program. The aim is to see the KUR financing in Kepahiang Regency on the development of UMKM in Embong Ijuk Village. The benefits of the results of this study are expected to be useful information for UMKM actors in the Kepahiyang Muslim community to provide information on KUR funding from the Indonesian Sharia Bank (BSI) Kepahiyang unit. This type of research is qualitative in the form of descriptions, documentation and interviews. Informants recruited using this research technique consisted of many BSI workers involved in funding the KUR BSI Kepahiang unit. The results of this study indicate that capital growth,sales turnover and profits have increased significantly.Keywords: BSI, KUR, UMKMÂ

Entrepreneurship Curricula and Instruction: Lesson learned from the United States

The higher rate of Indonesian unemployment than western countries has become an urgent issue that must be addressed immediately. One of the primary reasons is the entrepreneurial shortcomings of Indonesians. This study is conducted to synthetically analyze the empirical experiences of enhancing entrepreneurship in the United States as one of successful western countries. This further understanding will be transformed and applied to Indonesian universities and societies. This study uses literature analysis approaches to find references to relevant theory with the hope that researchers can in-depth understand the experiences and the significant factors facilitating entrepreneurship in the United States. At the end of the study, the authors conclude that entrepreneurship's success in the United States is due to central government support for entrepreneurship. Therefore, the success of entrepreneurship in the United States that can be applied in Indonesia, such as: (1) the Indonesian government must endeavor to oblige all universities in Indonesia to provide entrepreneurship classes, (2) promote entrepreneurship education and make entrepreneurship a priority, (3) implementing entrepreneurship in educational curricula at all levels, starting with preschool; (4) providing educational scholarship facilities for economic and business actors to become entrepreneurs, and (5) providing (people's business credit) with low interest for business.

Analysis of Factors that Influence Customer Loyalty in Taking People's Business Credit (KUR) at PT. Bank Sulselbar Makassar Main Branch

Customer loyalty is the expectation of every banking company. This study aims to analyze the effect of service, advertising, and corporate image variables on customer satisfaction. Furthermore, to analyze the effect of service variables, advertising, and company image on customer loyalty and analyze the effect of customer satisfaction variables on customer loyalty. This type of research is a quantitative research using path analysis techniques using SPSS software with path analysis techniques whose data is obtained from distributing questionnaires to 75 respondents who are people's business credit service customers. The results of the study found that service quality is always maintained, attractive advertising activities and the company's image is continuously maintained will have an impact on growing customer satisfaction so that loyalty can also be created among customers of PT. Bank Sulselbar Makassar Main Branch.

Implementasi Kebijakan Kredit Usaha Rakyat (KUR) di Bank Rakyat Indonesia Unit Tanjung Morawa Kabupaten Deli Serdang

The role of banking in economic development is to channel funds for economic activities, one of which is in the form of credit for individual communities or business entities in the surrounding areas such as the Cape Morawa area. Bank Rayat Indonesia is an executing bank that distributes the most people's business loans. This is because Bank Rakyat Indonesia has a broad network compared to other implementing banks so that it is easy to distribute credit. So so so so that that aims to find out the implementation of policies and problems that occur in presenting Business Loans to customers at the Tanjung Morawa BRI Unit. This research method uses qualitative methods. Technique data through observation and documentation. By wrongly, the implementation of policies carried out by the Tanjung Morawa BRI Unit has not gone well, causing suspicion in the distribution of the People's Business Credit which is due to the communication made by the Bank and reducing existing human resources, resulting in reduced understanding of KUR for prospective customers.

Analisis Prosedur Pemberian Kredit Usaha Rakyat Pada BRI Palangka Raya Unit Yos Sudarso

People's Business Credit is one of the government programs that aims to help the Indonesian people who have small businesses to prosper the nation's economy which is carried out by certain banks, one of which is BRI. This study aims to analyze the procedures for granting public private loans as well as the supporting and inhibiting factors for distributing people's business loans at Bank BRI Palangka Raya Unit Yos Sudarso. In this study using qualitative analysis, qualitative analysis techniques are carried out by collecting, compiling and drawing conclusions about the procedure for granting People's Business Credit (KUR) at Bank BRI Palangka Raya unit Yos Sudarso. The techniques of data collection procedures in qualitative analysis are interviews, observation and documentation. Interviews were conducted with the Bank who understands the procedure for granting KUR and one of the customers of the BRI KUR Palangka Raya unit, Yos Sudarso. Based on the results of the research that has been carried out, it shows that the procedure for providing People's Business Credit (KUR) at Bank BRI Palangka Raya unit Yos Sudarso has been carried out quite well and in accordance with government regulations, namely the first stage of credit application, namely the process of collecting administrative data as the first requirement to apply KUR. The second stage is credit analysis, analyzing administrative files and making visits to prospective customers' places of business. The third stage is the credit decision, the head of the unit will provide the final result, namely the credit decision. The fourth stage is credit disbursement, which is filling out a credit agreement or credit agreement regarding the rights and obligations of the customer. The supporting factors for distributing people's business loans are data on business actors who received assistance from the president for MSMEs and data from the market office. The inhibiting factors for the distribution of people's business loans are business actors who do not and do not want to apply for loans and business actors who have businesses but have a bad loan history and some customers who apply for loans but do not own businesses.

Analysis of the Effect of Provision of People's Business Loans on Farmers' Income in Bosar Maligas District, Simalungun Regency

This study aims to determine the effect of people's business credit on farmers' income in Bosar Maligas District, Simalungun Regency. This study uses a quantitative method with farmers receiving People's Business Loans in the Bosar Maligas sub-district, Simalungun Regency, amounting to 159 people. In this review, there were 30 farmer respondents who used People's Business Credit in Bosar Maligas District, Simalungun Regency. These results indicate that the people's business credit variable has a probability value greater than 0.05 and the regression coefficient shows a positive value. This means that the variable of people's business credit has no significant effect on the income of farmers in Bosar Maligas District, Simalungun Regency. Based on this, the hypothesis which states that people's business credit has a positive and significant effect on farmers' income in Bosar Maligas District, Simalungun Regency is rejected. Based on the results of testing and discussion of the influence of the independent variable in the form of People's Business Credit on Farmers' Income in Bosar Maligas Subdistrict, it is concluded that (1) People's Business Credit Variable has a positive and insignificant effect on Farmers' Income in Bosar Maligas Subdistrict, Simalungun Regency. (2) Test Results simultaneously declared that the People's Business Credit simultaneously influence positively and not significant to the Farmers' Income in the District SimalungunBosar Maligas .

Analysis of the Effect of Provision of People's Business Loans on Farmers' Income in Bosar Maligas District, Simalungun Regency

This study aims to determine the effect of people's business credit on farmers' income in Bosar Maligas District, Simalungun Regency. This study uses a quantitative method with farmers receiving People's Business Loans in the Bosar Maligas sub-district, Simalungun Regency, amounting to 159 people. In this review, there were 30 farmer respondents who used People's Business Credit in Bosar Maligas District, Simalungun Regency. These results indicate that the people's business credit variable has a probability value greater than 0.05 and the regression coefficient shows a positive value. This means that the variable of people's business credit has no significant effect on the income of farmers in Bosar Maligas District, Simalungun Regency. Based on this, the hypothesis which states that people's business credit has a positive and significant effect on farmers' income in Bosar Maligas District, Simalungun Regency is rejected. Based on the results of testing and discussion of the influence of the independent variable in the form of People's Business Credit on Farmers' Income in Bosar Maligas Subdistrict, it is concluded that (1) People's Business Credit Variable has a positive and insignificant effect on Farmers' Income in Bosar Maligas Subdistrict, Simalungun Regency. (2) Test Results simultaneously declared that the People's Business Credit simultaneously influence positively and not significant to the Farmers' Income in the District SimalungunBosar Maligas .