Analisis Efektifitas Penyaluran Pembiayaan Kredit Usaha Rakyat Mikro PT. Bank Negara Indonesia
DOI:
https://doi.org/10.51278/aj.v4i1.369Abstract
Kredit Usaha Rakyat (KUR) is a government program in the context of empowering MSMEs. This research collaborates with other sides, one of which is Bank BNI, which plays a role in the development of MSMEs through the Kredit Usaha Rakyat (KUR) program. The purpose of this study was to determine the role of BNI KUR financing channeling to the development of MSMEs in the city of Jayapura.This type of research uses a descriptive qualitative approach. Location of the study was conducted at BNI Bank Jayapura Main Branch Office and at SMEs receiving KUR BNI Jayapura Main Branch Office. With the source of the data obtained are primary and secondary data. Data collection techniques by observation, interview and documentation. Data reduction, presentation and conclusion drawing.The results of this study are Micro KUR Distribution Procedures at BNI: Micro KUR marketing from employees and managers, credit applications and initiators, credit analysis conducted by banks, credit disbursement. As well as the implementation phase of KUR credit granting, proving that the majority of customers receiving KUR BNI stated that the performance of MSMEs experienced a significant increase, seen from the production capital, sales turnover, profits and the number of hours worked.
Keywords: Effectiveness Financing Analysis, Analysis Financing, Effectiveness Financing Distribution
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