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Atika Atika
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ANALISIS FAKTOR PENYEBAB KEGAGALAN PENCAIRAN DANA KREDIT USAHA RAKYAT ( KUR ) DI BANK BTN KCP WONOSOBO Devi Novita Sari; Atika Atika
Jurnal Studi Akuntansi Pajak Keuangan Vol. 3 No. 1 (2025)
Publisher : Institut Teknologi dan Bisnis Kristen Bukit Pengharapan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61696/jusapak.v3i1.691

Abstract

Bank Tabungan Negara (BTN) KCP Wonosobo is a state-owned bank committed to supporting national economic growth through various financing products, one of which is the People's Business Credit (KUR). KUR BTN is a financing program designed for Micro, Small, and Medium Enterprises (MSMEs) that require business capital with low interest rates and easier requirements. This product aims to expand financing access for MSMEs, stimulate real sector growth, and create more job opportunities. Through KUR, Bank BTN actively contributes to strengthening financial inclusion, offering competitive capital solutions, and supporting the sustainability of small and medium enterprises in Indonesia. This research aims to identify the factors that lead to the failure of KUR fund disbursement at Bank BTN KCP Wonosobo. The study adopts a qualitative approach and conducts a comprehensive analysis of the issue. The research sources consist of primary and secondary data obtained from interviews and data observations. The results of this study conclude the various factors that prevent the disbursement of KUR loan funds, whether due to bank regulations or borrower- related issues.
Co-Authors Aidi, Auralia Admyralls Salsabilla Alex Johanes Simamora Amanita Novi Yushita Amirotussholikhah, Azfa Aosiliana, Putri Atika Nur Hidayah Canti Mayungi Devi Novita Sari Devita Permatasari Dhea Ayu Puspitasari Diah Agustina Prihastiwi Dwi Ratnasari, Emma Dzakiyyah Balqis Eki Melina Widanti Eko Putri Setiani Endang Kartini Panggiarti Endra Murti Sagoro Eva Wulandari Eva wulandari, Eva Evy Rahman Utami Fatimah, Ari Nurul Hadi Sasana Hadi Sasana Isroah Isroah Iswanaji, Chaidir Kharisma Kurniasari, Kenyo Kurnia, Fransiska Kurniasari, Kenyo Kharisma Kurniawan, Egi Kusnita, Arisma Maillina Cahyaningrum Manurung, Herlina Masculine Muhammad Muqorobin Masculine Muhammad Muqorobin Mukti, Ari Muqtada, Moh. Rikza Naeni Nangimah Nurhalimah, Elly Octavia Lhaksmi Pramudyastuti Oktaviani, Nabila Triska Puspitasari, Fenny Puspitasari, Selly Ishnawati Putra, Rayhan Alfiano Sukaca Ramdani, Deni Riska Aulia Ulfah Rizky Kusuma Rizqia Arinda Shafira Rosiana Khafida Salsabilla Aidi, Auralia Admyrals Shefa Dwijayanti Ramadani Shintya Novita Rahmawati Siti Afidatul Khotijah, Siti Afidatul Siti Arifah Sitoresmi, Mumpuni Wahyudiarti Suci Nasehati Sunaningsih Supanji Setyawan Suwandoko Triastanti, Resti Kurnia Umi Salamah Utami, Evy Rahman Vina Aprilia Putri Wafiya, Alfi Zuhrotul Widya Ayu Setiani Wildan Yudhanto Yudia, Riska Nur Yulida Army Nurcahya