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All Journal Jurnal Borneo Administrator: Media Pengembangan Paradigma dan Inovasi Sistem Administrasi Negara TEMA (Jurnal Tera Ilmu Akuntansi)
Damhuri, Taufik
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Economics, Econometrics & Finance Social Sciences

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The Impact of KUR Disbursement on MSME's Credit Growth Ridha, Muhammad Hafizh; Ashari, Hasan; Damhuri, Taufik
Jurnal Borneo Administrator Vol. 20 No. 3 (2024): December 2024
Publisher : Puslatbang KDOD Lembaga Administrasi Negara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24258/jba.v20i3.1475

Abstract

MSMEs support social and economic growth through employment and poverty reduction. Recently, MSMEs have had some challenges, including limited access to capital. Hence, the government should participate in solving those challenges, such as creating various MSME financing empowerment programs with multiple schemes, such as interest subsidies, guarantees, or risk sharing. KUR become an alternative instrument to support MSME financing in Indonesia, with substantial implications for economic growth. This study aims to provide empirical evidence regarding the effect of KUR Disbursement on MSME's Credit Growth with MSME's Commercial Credit Growth as a mediating variable. The data covered 33 provinces in Indonesia from 2015-2021. Using the Random Effect Model and Ordinary Least Square (OLS) Regression, the results indicated that (1) KUR Disbursement does not affect MSME's Credit Growth, (2) KUR Disbursement negatively influences MSME's Commercial Credit Growth, (3) MSME's Commercial Credit Growth positively influences MSME's Credit Growth, and (4) MSME's Commercial Credit Growth does not mediate the relationship between KUR Disbursement on MSME's Credit Growth means MSME's Commercial Credit Growth cannot act as a mediating factor in enhancing the effect of KUR Disbursement on MSME's Credit Growth
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 Hasan Ashari Ridha, Muhammad Hafizh Sancoko, Bambang