Efektivitas Pendanaan Kredit Usaha Rakyat dalam Pengembangan Usaha Dagang Rukun Jaya
DOI:
https://doi.org/10.59059/maslahah.v3i3.2507Keywords:
People's Business Credit, MSMEs, Rukun Jaya Trading Business, Funding EffectivenessAbstract
This research analyzes the effectiveness of People's Business Credit (KUR) financing in facilitating the development of Rukun Jaya Trading Business, a micro, small, and medium enterprise (MSME) specializing in the processing of kupang skin into animal feed. The rationale for this study is grounded in the pivotal role that micro, small, and medium enterprises (MSMEs) play in the Indonesian economy, alongside the persistent financial constraints they encounter challenges that the People's Business Credit (KUR) program seeks to address as a government-backed financing initiative.The objective of this study is to assess the degree to which the People's Business Credit (KUR) contributes to the advancement of the enterprise. A descriptive qualitative methodology is employed, utilizing data collection techniques such as interviews, observations, and document analysis.The findings indicate that KUR financing has proven effective in enhancing working capital, improving operational efficiency, and strengthening the enterprise's capacity to fulfill its credit obligations all of which contribute to the achievement of sustainable business growth. The implications of this study are intended to offer strategic insights for business owners in making informed decisions, assist financial institutions in enhancing the effectiveness of KUR distribution, and support government efforts in designing more targeted and impactful policies for MSME development.
References
Atin Tika Dwi Nur. (2019). Pengaruh efektivitas Kredit Usaha Rakyat (KUR) terhadap peningkatan profit usaha mikro (Studi kasus pada nasabah Bank Rakyat Indonesia Unit Purwomartani Kalasan Sleman Yogyakarta). http://www.kur.ekon.go.id
Ela Elliyana, Paerah, A., & Musdayanti. (2020). Kredit Usaha Rakyat Bank Rakyat Indonesia dan peningkatan pendapatan UMKM, 8. (Tambahkan nama jurnal jika tersedia)
Hayati, R. (2024). The effectiveness of the People’s Business Credit Programme in improving the economic welfare of the community: A literature review. Journal of Community Dedication, 4, 710–722.
Khafifah, A., Dianta, K., Ip, S., Sa, F., & Si, M. (2022). The role of People’s Business Credit (KUR) in the development of micro, small and medium enterprises (MSMEs): Case study on current drinking MSMEs in the South Jakarta region. http://pub.unj.ac.id/index.php/jpepa
Latifah, Z. N., & Sofiani, V. (2024). Analysis of People’s Business Credit (KUR) in effectiveness of increasing KUR distribution (Case study of the State Savings Bank (BTN) KC Sukabumi). https://jurnal.ubd.ac.id/index.php/ds
Latuconsina, S., & Ambon, P. N. (2016). Pengaruh pemberian Kredit Usaha Rakyat (KUR) Bank Rakyat Indonesia (BRI) KCP Unit Ambon Kota terhadap UKM Pasar Mardika. https://doi.org/10.31959/jm.v5i1.151
Miles, M. B., Huberman, A. M., & Saldana, J. (2014). Qualitative data analysis: A methods sourcebook (3rd ed.). SAGE Publications.
Moleong, L. J. (2007). Metodologi penelitian kualitatif (Edisi revisi). Remaja Rosdakarya.
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
Monulandi, M. M., Dumais, J. N. K., & Pangemanan, L. R. J. (2016). Persepsi nasabah terhadap penerapan prinsip 5C dalam penyaluran Kredit Usaha Rakyat (KUR) oleh PT. Bank Rakyat Indonesia (Persero), Tbk Unit Tombatu, Minahasa Tenggara, 12(2). (Tambahkan nama jurnal jika tersedia)
Mualifin, A., Chaidir, T., & Putri, I. A. (2022). Analisis efektivitas penyaluran program Kredit Usaha Rakyat (KUR) dan pengaruhnya terhadap kinerja usaha mikro (Studi kasus nasabah KUR mikro Bank Rakyat Indonesia Unit Gunung Sari, Lombok Barat). (Tambahkan nama jurnal jika ada)
Ong, R., Maran, A. N. R., Lapik, A. R., Andita, D. M. B., Kadir, M. F., Kindangen, R. V., Latul, V. B., Rumetna, M. S., & Lina, T. N. (2019). Maksimalisasi keuntungan pada usaha dagang martabak Sucipto menggunakan metode simpleks dan POM-QM. JURIKOM, 6(4). http://ejurnal.stmik-budidarma.ac.id/index.php/jurikom
Patton, M. Q. (2002). Qualitative research & evaluation methods (3rd ed.). SAGE Publications.
Ratna, D. J., Sari, K., El Wafa, F., & Jahra, P. M. (2024). The impact of People’s Business Credit financing on improving the financial performance of UMKM assisted by Bank Syariah Indonesia Tanjung Branch Office, South Kalimantan. https://doi.org/10.37812/aliqtishod.v12i1
Santana, M., Adiyadnya, P., Ayu, I., & Yuliastuti, N. (2020). Efektivitas program Kredit Usaha Rakyat terhadap pendapatan pedagang UMKM di Kecamatan Denpasar Utara. Majalah Ilmiah Solusi, 18(3). http://journals.usm.ac.id/index.php/solusi
Sarwono, J. (2006). Metode penelitian kuantitatif & kualitatif. Graha Ilmu.
Sugiyono. (2006). Metode penelitian pendidikan: Pendekatan kuantitatif, kualitatif dan R&D. Alfabeta.
Sugiyono. (2012). Memahami penelitian kualitatif. Alfabeta.
Sugiyono. (2016). Metode penelitian pendidikan: Pendekatan kuantitatif, kualitatif, dan R&D. Alfabeta.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Maslahah : Jurnal Manajemen dan Ekonomi Syariah
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
