Pengaruh Pembiayaan Kredit Usaha Rakyat (KUR) Terhadap Perkembangan Usaha Mikro Kecil dan Menengah di PT Bank BSI KCP Nagan Raya 2
DOI:
https://doi.org/10.47134/jebmi.v1i1.69Keywords:
People’s Enterprise Credit;, The development of UMKM, PT Bank BSIAbstract
People's Business Credit (KUR) can provide capital and encourage the development of community businesses which ultimately affects the income earned. For this reason, it is very important to develop KUR to reduce poverty levels and increase the contribution of MSMEs to the local economy. This research aims to see how KUR financing influences the development of MSMEs, and how this can help overcome the problems of unemployment and poverty and provide benefits to the community in Nagan Raya Simpang Peut. This research uses quantitative methods with a sample of 30 people from People's Business Credit (KUR) borrower customers at PT Bank BSI KCP Nagan Raya 2. The data collection technique uses a questionnaire, where after the data is collected it will be tested for validity and reliability to ensure validity and reliability. reliability of data obtained from respondents. Then afterwards it will be analyzed using the Likert scale technique. The findings obtained are that through KUR loans, MSME businesses can grow and develop because KUR can provide opportunities for MSME players to increase capital and expand operational scale so that they can increase production and product marketing. KUR has a positive impact, namely that it can increase income, welfare and provide new job opportunities.
References
Agrosamdhyo, R. (2023). Dampak Merger Bank Syariah Dalam Persepsi Pegawai. Jurnal Nirta : Studi Inovasi, 2(2). https://doi.org/10.61412/jnsi.v2i2.25
Devina, V., & Lusy, L. (2020). Analisis Pemberian Kredit Terhadap Pendapatan. JAD : Jurnal Riset Akuntansi & Keuangan Dewantara, 3(1), 78–88. https://doi.org/10.26533/jad.v3i1.547
Elshifa, A., Perdana, M. A. C., Matiala, T. F., Yasin, F., & Mokodenseho, S. (2023). Analisis Pengaruh Pendidikan, Pelatihan, dan Dukungan Kelembagaan terhadap Keberhasilan Usaha Mikro. Sanskara Ekonomi Dan Kewirausahaan, 1(03), 123–134. https://doi.org/10.58812/sek.v1i03.118
Fu’adi, Z., & Anisa, F. (2022). Pengaruh Literasi Keuangan dan Modal Sosial Terhadap Keberlangsungan Usaha (Studi Empiris Pada UMKM Makanan di Kabupaten Magelang). Borobudur Management Review, 2(1), 74–86. https://doi.org/10.31603/bmar.v2i1.6865
Given. (2008). The Sage Encyclopedia of Qualitative Research Methods. SAGE Publications, Inc.
Irawan, H., Dianita, I., & Salsabila Mulya, A. D. (2021). Peran Bank Syariah Indonesia Dalam Pembangunan Ekonomi Nasional. Jurnal Asy-Syarikah: Jurnal Lembaga Keuangan, Ekonomi Dan Bisnis Islam, 3(2), 147–158. https://doi.org/10.47435/asy-syarikah.v3i2.686
Kurniasari, P., Ni’mah, A., & Fadlullah Hana, K. (2022). Analisis Sinkronisasi Budaya Kerja Sumber Daya Manusia Pada Bank Syariah Indonesia Setelah Merger. Jurnal Ilmu Ekonomi Dan Bisnis Islam, 4(1), 31–41. https://doi.org/10.24239/jiebi.v4i1.91.31-41
Kurniawan, E. (2023). New Culture Integration in the Merger of Bank Syariah Indonesia (BSI). International Journal of Engineering Business and Social Science, 2(01), 769–783. https://doi.org/10.58451/ijebss.v2i01.107
Makki, I. (2022). Pengaruh Pemberian Kredit Usaha Rakyat Syariah terhadap Perkembangan Usaha Pedagang Mikro di Pasar Leuwiliang. El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam, 4(4), 868–879. https://doi.org/10.47467/elmal.v4i4.2188
Mongkito, A. W., Putra, T. W., Imran, M., Novita, K., & Ansar, A. N. (2021). Implementasi Pembiayaan Kredit Usaha Rakyat (Kur) Mikro Syariah Dalam Pengembangan Usaha Mikro. Robust: Research of Business and Economics Studies, 1(1), 91. https://doi.org/10.31332/robust.v1i1.2886
Muhammad, F., & Rozali, T. (2017). Pengaruh Kredit Usaha Rakyat Terhadap Pendapatan Usaha Mikro Dan Kecil Di Desa Selagik Kecamatan Terara Kabupaten Lombok Timur Provinsi Nusa Tenggara Barat (Studi Kasus Bank BRI Unit Terara). JPEK (Jurnal Pendidikan Ekonomi Dan Kewirausahaan), 1(1), 38. https://doi.org/10.29408/jpek.v1i1.463
N, N., Zuraidah, Z., & Sartika, F. (2019). Pengaruh Pemberian Kredit dan Modal terhadap Pendapatan Pedagang Kecil. Jurnal Ilmu Manajemen, 9(1), 26. https://doi.org/10.32502/jimn.v9i1.2114
Novitasari, R., Yetniwati, Y., & Suryahartati, D. (2022). Pengaturan Penjatuhan Sanksi terhadap Pelanggaran Berat yang Dilakukan oleh Notaris dalam Perspektif Peraturan Perundang-Undangan. Wajah Hukum, 6(2), 211. https://doi.org/10.33087/wjh.v6i2.821
Nugroho, L., & Tamala, D. (2018). Persepsi Pengusaha Umkm Terhadap Peran Bank Syariah. Jurnal SIKAP (Sistem Informasi, Keuangan, Auditing Dan Perpajakan), 3(1), 49. https://doi.org/10.32897/jsikap.v3i1.115
Nugroho, L., Utami, A. D., & Sukmadilaga, C. (2022). Analisa Ketahanan dan Stabilitas Bank Syariah yang Melakukan Merger. Jurnal Manajemen Dan Keuangan, 10(2), 189–207. https://doi.org/10.33059/jmk.v10i2.3978
Putri, S. A., Dewindaru, D., & Nugraha, E. (2023). Analisis Kinerja Keuangan Bank Syariah Indonesia (BSI) Sebelum dan Setelah Merger. Bukhori: Kajian Ekonomi Dan Keuangan Islam, 2(2), 85–94. https://doi.org/10.35912/bukhori.v2i2.1972
Riawan, R., & Kusnawan, W. (2018). Pengaruh Modal Sendiri dan Kredit Usaha Rakyat (KUR) Terhadap Pendapatan Usaha (Studi Pada UMKM di Desa Platihan Kidul Kec. Siman). Jurnal Akuntansi Dan Pajak, 19(1), 31. https://doi.org/10.29040/jap.v19i1.158
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2023 Nur Fitriyani, Fatmayanti Fatmayanti
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
