Efektivitas Penyaluran KUR (Kredit Usaha Rakyat) Untuk Pengembangan UMKM

Suginam, Suginam; Rahayu, Sri; Purba, Elvitrianim

doi:10.47065/ekuitas.v3i1.1024

Cited by 4 publications

(4 citation statements)

References 2 publications

(2 reference statements)

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“…The results of this test are in line with previous research, namely research by Korompot et al (2023), Suginam et al (2021) and Ishak & Dama (2022) which stated that people's business credit has a significant influence on the development of MSMEs in Medan Deli subdistrict in Medan City…”

Section: Discussionsupporting

confidence: 90%

The Role of People's Business Credit (Kur) and The Use of E-Marketing For The Development of Msmes In Medan Deli District In Medan City

Sujinny,

Loo,

Nasution

2024

DIJEFA

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This research aims to find out whether People's Business Credit has an effect on the development of MSMEs in Medan Deli subdistrict in Medan City, to find out whether E-Marketing has an effect on the development of MSMEs in Medan Deli subdistrict in Medan City, and to find out whether People's Business Credit and E-Marketing have an effect on development of MSMEs in Medan Deli sub-district in Medan City. The type of data for this research is quantitative data. Data analysis techniques in this research are validity test, reliability test, descriptive statistics, classic assumption test (normality test, multicollinearity test, heteroscedasticity test), multiple linear regression analysis, hypothesis testing (t test, f test), and coefficient of determination. The results of this research state that the influence of people's business credit and e-marketing on the development of MSMEs in Medan Deli subdistrict in Medan City is shown by the results of multiple linear regression analysis which means that the variables of people's business credit and e-marketing together have an influence on the development of MSMEs in Medan district. Deli in Medan City.

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Section: Discussionsupporting

confidence: 90%

The Role of People's Business Credit (Kur) and The Use of E-Marketing For The Development of Msmes In Medan Deli District In Medan City

Sujinny,

Loo,

Nasution

2024

DIJEFA

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“…This program is designed to encourage the expansion of financial access for small and microbusinesses (Suryani, 2018). According to the Coordinating Minister for Economic Affairs, the purpose of the KUR program is to increase business capital capacity and create regulations that can accelerate the development of the real sector, making a greater impact on MSMEs (Suginam et al, 2021;Ulirrahmi, 2023).…”

Section: Kredit Usaha Rakyat (Kur)mentioning

confidence: 99%

Financial risk mitigation of collateral-free kredit usaha rakyat mikro at Bank Syariah Indonesia KCP Ujung Berung 1

Gustini,

Amaliah,

Hartono

2023

J. Islam. Econ. Lariba

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IntroductionBank Syariah Indonesia participates in disbursing kredit usaha rakyat (KUR) mikro with a maximum financing ceiling of Rp 100 million without requiring collateral. This is worth further investigation, especially from the perspective of financing risk mitigation.ObjectivesThis research aims to identify risk mitigation strategies to reduce the impact on non-performing financings from kredit usaha rakyat mikro.MethodThe study is located at Bank Syariah Indonesia KCP Ujung Berung 1 in the city of Bandung, using a qualitative descriptive method. Research data is processed using interview and documentation techniques.ResultsField findings indicate dynamic disbursement of KUR from January to April, totaling Rp 3.69 million. In April 2023, delinquent credits decreased by 0.5% from 6.6% in March 2023 to 6.1%. This is evidenced by the risk mitigation strategy used to address delinquent credits, which involves identifying customers who meet established criteria and conducting necessary checks, such as BI checking/SLIK, trade checking, and market checking. Additionally, the bank requires customers to obtain life insurance before applying for financing.ImplicationsThe research motivates Islamic bank management to reduce financial risk in financing to micro, small, and medium enterprises by improving their financial risk mitigation.Originality/NoveltyThis study can serve as a reference for banks to reduce the risk of non-performing financing by implementing credit risk mitigation strategies.

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“…Individu, kelompok, atau koperasi dapat memanfaatkan program ini dengan batas pinjaman maksimum Rp. 500.000.000,- (Suginam et al, 2021). Beberapa jenis KUR yang terdapat di bank BRI Unit Kamal adalah sebagai berikut:…”

Section: B Jenis-jenis Kur Bri Unit Kamal Berdasarkan Besaran Bungaunclassified

Analisis Hukum Bunga Kredit Usaha Rakyat (KUR) pada Kantor Cabang Pembantu (KCP) BRI Unit Kamal Bangkalan Ditinjau dari Perspektif Maqashid Syariah

Rozi,

Qadariyah

2023

ajeks

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Kredit Usaha Rakyat (KUR) is a debt scheme with a low interest rate provided to small and medium enterprises (MSMEs) that require additional capital and credit for business development. Bank BRI Kamal Unit, as one of the KUR distributors, has successfully implemented this program with a value of 5.5 billion rupiah in 2022. However, from a sharia perspective and based on the opinions of scholars, whether the KUR program with an interest component that is forbidden in Islam can be said to be usury or can be said to be halal if someone is forced to do so, remains to be seen. So the purpose of this research aims to analyze the law of KUR interest through the views of scholars who state that it is haram, halal, or even syubhat in terms of the maqashid sharia perspective. This type of research is descriptive qualitative, where attention is paid to current issues during the research. Through descriptive qualitative research, researchers try to describe events and events in focus without special treatment. The last stage in data analysis is drawing conclusions and verification. As a result, it is known that the view of scholars who allow KUR loans is more in line with Maqasid Sharia, namely the preservation of life (hifz al-nafs) and property (hifz al-mal), compared to its prohibition, both of which are placed at the Dharuriyyat level or at least Hajiyyat. Keywords: Interest, KUR, Riba, Maqashid Syariah

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Efektivitas Penyaluran KUR (Kredit Usaha Rakyat) Untuk Pengembangan UMKM

Cited by 4 publications

References 2 publications

The Role of People's Business Credit (Kur) and The Use of E-Marketing For The Development of Msmes In Medan Deli District In Medan City

The Role of People's Business Credit (Kur) and The Use of E-Marketing For The Development of Msmes In Medan Deli District In Medan City

Financial risk mitigation of collateral-free kredit usaha rakyat mikro at Bank Syariah Indonesia KCP Ujung Berung 1

Analisis Hukum Bunga Kredit Usaha Rakyat (KUR) pada Kantor Cabang Pembantu (KCP) BRI Unit Kamal Bangkalan Ditinjau dari Perspektif Maqashid Syariah

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