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All Journal Jurnal Pendidikan Ekonomi (JURKAMI) Jurnal Ilmiah Dikdaya
Patriana, Sela
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Economics, Econometrics & Finance Education Social Sciences

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Analisis Faktor Tertolaknya Usulan Kredit Usaha Rakyat (Kur) Mikro Pt Bank Bri Unit Kelam Permai Patriana, Sela; Syahrudin, Husni; Basri, Muhammad; Ulfah, Maria; Achmadi, Achmadi
Jurnal Ilmiah Dikdaya Vol 15, No 1 (2025): April
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/dikdaya.v15i1.809

Abstract

Tujuan penelitian ini adalah mengetahui faktor tertolaknya usulan Kredit Usaha Rakyat (KUR) pada BRI Unit Kelam Permai. Penelitian ini dilakukan pada bulan Mei 2024-Juni 2024 di BRI Unit Kelam Permai. Penelitian yang dimaksud menggunakan metodologi kualitatif. Penelitian deskriptif adalah metode pilihan untuk penelitian ini. Strategi yang digunakan dalam pemeriksaan ini adalah menjelaskan teknik subjektif. Metode kualitatif didasarkan pada gagasan bahwa subjek yang dipelajari dan peneliti berinteraksi satu sama lain daripada bertindak secara independen. Berdasarkan hasil penelitian yang dilakukan di BRI Unit Kelam Permai, dapat disimpulkan bahwa prosedur pemberikan Kredit Usaha Rakyat merupakan aturan baku yang telah ditetapkan dan sesuai standar yang berlaku di Bank Rakyat Indonesia (BRI) adapun penyebab tertolaknya KUR pada BRI Unit Kelam Permai adalah riwayat pinjaman nasabah yang terdeteksi BI Checking dan jenis usaha yang akan dijalankan menyesuaikan dengan standar yang telah ditetapkan.
DINAMIKA PERKEMBANGAN UMKM PENERIMA KREDIT USAHA RAKYAT BINAAN UNIT USAHA MIKRO BANK KALBAR Patriana, Sela; Syahrudin, Husni; Basri, Muhammad; Ulfah, Maria; Achmadi, Achmadi
Jurnal Pendidikan Ekonomi (JURKAMI) Vol 9, No 3 (2024): JURKAMI
Publisher : STKIP Persada Khatulistiwa Sintang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31932/jpe.v9i3.3873

Abstract

This research aims to determine: (a) distribution of KUR (b) increase in income (c) Business Development of MSMEs Recipients of KUR Assisted by the Micro Business Unit of Bank Kalbar. The method used in this research is qualitative with case studies. The informants in this research consisted of 9 MSMEs and 1 person from a West Kalimantan bank. Data collection techniques interviews and documentation. The data analysis technique is carried out in 3 stages, namely data reduction, data presentation, and drawing conclusions. The results of this research show 1) the distribution of KUR to MSMEs is carried out in accordance with the rules for distributing KUR to the public, such as the amount of collateral in accordance with the amount lent, there is no bad credit, although there are delays in payment, but not to the limit determined by the bank.2) there is an increase in income after receiving KUR, the net income obtained after receiving KUR is average >3,500,000/month in the very high income category.3)MSME development occurs after receiving KUR from Bank Kalbar, the level of development is based on the type of MSME the higher the type of MSME being run, the higher the level of development.
Co-Authors Achmadi Achmadi Husni Syahrudin Maria Ulfah Muhammad Basri