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All Journal Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK) Jurnal Ekonomi & Bisnis PNJ (JEKBIS PNJ) Jurnal Borneo Administrator: Media Pengembangan Paradigma dan Inovasi Sistem Administrasi Negara TEMA (Jurnal Tera Ilmu Akuntansi) Jurnal Teknologi Informasi dan Ilmu Komputer Jurnal ASET (Akuntansi Riset) Jurnal Riset Akuntansi dan Keuangan Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Jurnal Kependidikan: Jurnal Hasil Penelitian dan Kajian Kepustakaan di Bidang Pendidikan, Pengajaran dan Pembelajaran Jurnal Ilmiah Wahana Pendidikan Jurnal Agrisistem International Journal of Economics, Business, and Entrepreneurship (IJEBE) Jurnal Locus Penelitian dan Pengabdian Jurnal Akuntansi Manajerial (Managerial Accounting Journal) Perbanas Journal of Islamic Economics and Business West Science Accounting and Finance Jurnal Bisnis dan Ekonomi International Journal of Indonesian Business Review Toga Jurnal Keguruan dan Ilmu Pendidikan
Hasan Ashari
STMIK AMIKOM Yogyakarta
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Policy Reform and MSME Growth: Financial Analysis of 2023 KUR Disbursement Shift Ridha, Muhammad Hafizh; Ashari, Hasan; Sancoko, Bambang; Damhuri, Taufik
TEMA Vol. 26 No. 2 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a vital role in development, yet face persistent barriers to financing. To address this, the Indonesian government provides the People's Business Credit (KUR) program. In 2023, significant policy reforms were introduced concerning eligibility criteria and graduation interest rates, resulting in a decline in total disbursement. This study applies descriptive analysis and two-mean difference tests using data from 33 provinces (2022–2023) to evaluate the policy’s impact. The findings show that the revised KUR policy: (1) enhances financial inclusion, (2) supports debtor graduation, and (3) contributes to achieving the national MSME credit target. These results highlight the importance of policy reform in building a sustainable MSME financing ecosystem. The novelty of this study lies in integrating macro-level statistical evidence with field-based qualitative validation to uncover structural inefficiencies in government-backed microfinance. The findings offer policymakers actionable insights to refine MSME financing frameworks, particularly in enhancing credit accessibility and aligning distribution incentives.
Co-Authors Basjah, Alan Yazid Ali Budi Wijayanto Damhuri Damhuri Djono Djono Elea Nur Aziza Fardiman, Fardiman Fitri , Sri Adella Hasudungan, Anju Nofarof Herimanto Herimanto Hernanda, Reyhan Hieronymus Purwanta Hutabarat, Habel Refo Ismawati, Isti Yuli Judijanto, Loso Marsus, Soffan Musa Pelu Nur Aisyah Kustiani, Nur Aisyah Pambudi, Andi Setyo Putro, Yudhi Ridha, Muhammad Hafizh Rita, Henny Rusman, Eddy Sancoko, Bambang Setyo Pambudi, Andi Siladjaja, Muljanjo Supranata, Mardani SURYA AYMANDA NABABAN Sutiyah Sutiyah Trinandari Prasetya Nugrahanti WAHASRI, ESIKA Yazid Ali Basjah, Alan Yuli Ismawati, Isti Yulistiani, Tiara