Continuation of the KUR program

Oct 13, 2025 by leolavanderia.com.br 124 views

Analysis of the Effectiveness of the Distribution of People's Business Credit (KUR) to MSMEs in Deli Serdang Regency

Introduction

In recent years, the Indonesian government has implemented various programs aimed at supporting the growth of micro, small and medium enterprises (MSMEs) in the country. One of the key initiatives is the People's Business Credit Program (KUR), which provides financial assistance to MSMEs in the form of loans with favorable interest rates. The KUR program has been implemented in various regions across Indonesia, including Deli Serdang Regency in North Sumatra. This study aims to analyze the effectiveness of the KUR program in supporting the growth of MSMEs in Deli Serdang Regency, with a focus on the Simpang Pool Unit of PT. Bank Rakyat Indonesia (Persero) Tbk. in Bandar Kalipa Village, Percut Sei Tuan District.

The Importance of MSMEs in the Indonesian Economy

MSMEs play a crucial role in the Indonesian economy, accounting for a significant proportion of the country's GDP and employment. According to the Indonesian Ministry of Cooperatives and Small and Medium Enterprises, MSMEs contribute around 60% to the country's GDP and employ around 90% of the workforce. However, MSMEs often face challenges in accessing financing and other resources, which can hinder their growth and development. The KUR program was introduced to address this issue and provide MSMEs with access to affordable credit.

Research Methodology

This study employed a mixed-methods approach, combining both qualitative and quantitative data collection and analysis methods. The data were collected through direct observations, in-depth interviews with MSME owners, and the use of questionnaires to obtain quantitative information. The sample consisted of 93 MSMEs involved in the KUR program over a period of three years, from 2014 to 2016. The data analysis technique used was effectiveness analysis and non-parametric analysis using the Nemar MC test.

Results and Analysis

The results of the analysis showed that the level of effectiveness of the KUR program among MSMEs was very satisfying, with an effectiveness value of 82.69 percent. This indicates that the KUR program is able to make a significant contribution in supporting the growth of MSMEs in Deli Serdang Regency. Specifically, this program has a positive effect on increasing income and increasing the number of workers involved in MSMEs.

Further analysis shows that this positive effect is not only seen in terms of financial, but also in terms of improving the skills and capacity of MSME actors. The KUR program encourages business owners to innovate and increase the products they offer, so as to be able to compete in an increasingly competitive market. The program also provides training and capacity-building programs for MSME owners, which helps to improve their management skills and knowledge.

Conclusion

From the results of the study, it can be concluded that the KUR program carried out for three years (2014-2016) has proven to be very effective and has a positive impact on the development of MSMEs in Deli Serdang Regency. With an effectiveness of 82.69 percent, this program has succeeded in increasing the number of workers and income earned by MSME actors. The implementation of the KUR program can be used as a model for other regions in supporting the growth of the MSME sector, which is one of the important pillars in the national economy.

Recommendations

Based on the findings of this study, the following recommendations are made:

Continuation of the KUR program: The KUR program should be continued and expanded to reach more MSMEs in Deli Serdang Regency and other regions.
Improvement of the program: The program should be improved to make it more effective and efficient in supporting the growth of MSMEs.
Capacity-building programs: Capacity-building programs should be provided to MSME owners to improve their management skills and knowledge.
Monitoring and evaluation: The program should be regularly monitored and evaluated to ensure its effectiveness and make necessary adjustments.

Limitations of the Study

This study has several limitations, including:

Sample size: The sample size of 93 MSMEs may not be representative of the entire MSME sector in Deli Serdang Regency.
Data collection method: The data were collected through direct observations, in-depth interviews, and questionnaires, which may not be comprehensive.
Time period: The study was conducted over a period of three years, which may not be sufficient to capture the long-term impact of the KUR program.

Future Research Directions

Future research should focus on the following areas:

Long-term impact: The long-term impact of the KUR program on the growth of MSMEs should be studied.
Comparison with other programs: The effectiveness of the KUR program should be compared with other programs aimed at supporting the growth of MSMEs.
Expansion to other regions: The KUR program should be expanded to other regions in Indonesia to reach more MSMEs.

Conclusion

In conclusion, this study has shown that the KUR program is effective in supporting the growth of MSMEs in Deli Serdang Regency. The program has a positive impact on increasing income and employment among MSME actors. The implementation of the KUR program can be used as a model for other regions in supporting the growth of the MSME sector. However, the program should be continued and improved to make it more effective and efficient in supporting the growth of MSMEs.
Q&A: Analysis of the Effectiveness of the Distribution of People's Business Credit (KUR) to MSMEs in Deli Serdang Regency

Q: What is the People's Business Credit Program (KUR) and how does it support MSMEs?

A: The People's Business Credit Program (KUR) is a government initiative aimed at providing financial assistance to micro, small and medium enterprises (MSMEs) in the form of loans with favorable interest rates. The program is designed to support the growth and development of MSMEs by providing them with access to affordable credit.

Q: What are the benefits of the KUR program for MSMEs?

A: The KUR program provides several benefits to MSMEs, including:

Access to affordable credit
Increased income and employment opportunities
Improved management skills and knowledge through capacity-building programs
Encouragement to innovate and increase products offered

Q: How effective is the KUR program in supporting the growth of MSMEs in Deli Serdang Regency?

A: The results of the study show that the KUR program is very effective in supporting the growth of MSMEs in Deli Serdang Regency, with an effectiveness value of 82.69 percent. This indicates that the program is able to make a significant contribution in supporting the growth of MSMEs in the region.

Q: What are the limitations of the study?

A: The study has several limitations, including:

Sample size: The sample size of 93 MSMEs may not be representative of the entire MSME sector in Deli Serdang Regency.
Data collection method: The data were collected through direct observations, in-depth interviews, and questionnaires, which may not be comprehensive.
Time period: The study was conducted over a period of three years, which may not be sufficient to capture the long-term impact of the KUR program.

Q: What are the recommendations for the continuation and improvement of the KUR program?

A: Based on the findings of the study, the following recommendations are made:

Continuation of the KUR program: The KUR program should be continued and expanded to reach more MSMEs in Deli Serdang Regency and other regions.
Improvement of the program: The program should be improved to make it more effective and efficient in supporting the growth of MSMEs.
Capacity-building programs: Capacity-building programs should be provided to MSME owners to improve their management skills and knowledge.
Monitoring and evaluation: The program should be regularly monitored and evaluated to ensure its effectiveness and make necessary adjustments.

Q: What are the future research directions for the KUR program?

A: Future research should focus on the following areas:

Long-term impact: The long-term impact of the KUR program on the growth of MSMEs should be studied.
Comparison with other programs: The effectiveness of the KUR program should be compared with other programs aimed at supporting the growth of MSMEs.
Expansion to other regions: The KUR program should be expanded to other regions in Indonesia to reach more MSMEs.

Q: What are the implications of the study for policymakers and stakeholders?

A: The study has several implications for policymakers and stakeholders, including:

The importance of continued support for the KUR program to reach more MSMEs in Deli Serdang Regency and other regions.
The need for improvement of the program to make it more effective and efficient in supporting the growth of MSMEs.
The importance of capacity-building programs for MSME owners to improve their management skills and knowledge.
The need for regular monitoring and evaluation of the program to ensure its effectiveness and make necessary adjustments.