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All Journal Jambi Accounting Review (JAR)
Febryanto, Ari
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Economics, Econometrics & Finance

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PROCEDURE FOR GRANTING PEOPLE'S BUSINESS FINANCING (KUR) AT PT BANK SYARIAH INDONESIA TBK KCP JAMBI HAYAM WURUK Febryanto, Ari; Yuliusman, Yuliusman
Jambi Accounting Review (JAR) Vol 7 No 1 (2026): Jambi Accounting Review (JAR)
Publisher : Jurusan Akuntansi FEB Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/1dp1b034

Abstract

This study aims to determine and analyze in detail the process of distributing Small and Medium Enterprises Credit (KUR) at PT Bank Syariah Indonesia Tbk KCP Jambi Hayam Wuruk. The aims of KUR financing is to support the development of MSMEs (Micro, Small, and Medium Enterprises). Data collection used in this study is participatory observation, interviews with bank employees, and documentation studies. The results of the study indicate that the process of distributing KUR financing at BSI KCP Jambi Hayam Wuruk includes: (1) submitting a financing application, (2) collecting and validating documents, (3) feasibility studies based on 5C + 1S, (4) decision making by the financing committee, (5) signing a contract in accordance with Sharia law, (6) disbursement of financing, and (7) supervision and monitoring after the financing is disbursed. These processes have been carried out in accordance with BSI's internal SOPs and relevant regulations, particularly Coordinating Minister for Economic Affairs Regulation No. 1 of 2023.
Co-Authors Yuliusman Yuliusman