They provide employment for millions of people who do not have access to the formal sector

Oct 13, 2025 by leolavanderia.com.br 122 views

Implementation of People's Business Credit in Developing Micro, Small and Medium Enterprises at PT Bank Rakyat Indonesia (Persero) Tbk Stabat Branch

The Role of Micro, Small and Medium Enterprises (MSMEs) in the Indonesian Economy

Micro, Small and Medium Enterprises (MSMEs) play a vital role as the pillars of the Indonesian economy. They provide employment for millions of people who do not have access to the formal sector, as well as contributing as a provider of raw materials for large companies. In addition, MSMEs also play a role as a producer of foreign exchange through exports of various products. However, despite having great potential, MSMEs often face obstacles in terms of capital. The lack of access to capital is a major challenge for MSMEs, hindering their growth and development.

The Government's Solution: People's Business Credit (KUR)

To overcome this challenge, the government has provided People's Business Credit (KUR) as a solution for capital financing for productive MSMEs but has not met the requirements to get loans from banks. This KUR is channeled through various banks, and Bank Rakyat Indonesia (BRI) is one of the biggest distributors. KUR is a government initiative aimed at providing access to capital for MSMEs, promoting their growth and development.

The Study's Objective and Methodology

This study aims to analyze and describe the implementation of KUR in the BRI Stabat branch in developing MSMEs. The model used in this study is the implementation model of George C. Edwards III, which assesses the success of a program through four factors: communication, resources, dispositions, and organizational structure. This study uses a qualitative approach, with interview and observation techniques, as well as the selection of subjects in a purposive sampling, which involves branch leaders, employees involved in the implementation of KUR, as well as several KUR debtors at BRI Stabat Branch.

The Results of the Study

The results showed that the implementation of KUR at BRI Stabat Branch was going well. No cases of bad credit were found in KUR in the branch, indicating that the program was successful in providing access to capital for MSMEs. This success can be associated with two main factors. First, a strong organizational structure, where credit analysis is carried out carefully, ensuring that the loan is only given to a proper debtor. Second, effective communication; The bank succeeded in communicating information about KUR clearly to the debtor and the community, thereby increasing their trust and understanding of this program.

The Challenges and Opportunities

However, even though the implementation of KUR went well, BRI Stabat Branch still needed to pay attention to the needs of the debtor. One that often wants the community is a daily or weekly quote facility to facilitate payment transactions. By providing these facilities, BRI can further support MSMEs in fulfilling payment obligations, while increasing debtor loyalty to banks.

Conclusion

Overall, the implementation of KUR in BRI Stabat Branch not only serves as a capital provider but also as a driving agent for the development of MSMEs in the region. Strong support from the bank, along with the right government policy, will have a positive impact on the local and national economy, as well as opening more opportunities for SMEs to develop.

Recommendations

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

BRI Stabat Branch should continue to provide support to MSMEs through KUR, ensuring that the program is well-implemented and reaches the target beneficiaries.
The bank should pay attention to the needs of the debtor, providing facilities such as daily or weekly quote facilities to facilitate payment transactions.
The government should continue to provide support to MSMEs through KUR, ensuring that the program is well-funded and reaches the target beneficiaries.
The bank and the government should work together to promote the development of MSMEs, providing access to capital, training, and other forms of support.

Limitations of the Study

This study has several limitations, including:

The study was conducted in a single branch of BRI, which may not be representative of the entire bank.
The study only focused on the implementation of KUR, and did not examine other factors that may affect the development of MSMEs.
The study relied on qualitative data, which may be subjective and biased.

Future Research Directions

Future research should aim to:

Examine the impact of KUR on the development of MSMEs in other regions.
Investigate the factors that affect the implementation of KUR, such as the organizational structure and communication.
Develop a more comprehensive model of the implementation of KUR, taking into account other factors that may affect the development of MSMEs.

Conclusion

In conclusion, this study provides insights into the implementation of People's Business Credit (KUR) in developing Micro, Small and Medium Enterprises (MSMEs) at PT Bank Rakyat Indonesia (Persero) Tbk Stabat Branch. The study highlights the importance of a strong organizational structure and effective communication in the implementation of KUR. The study also identifies the challenges and opportunities faced by MSMEs in accessing capital, and provides recommendations for the bank and the government to promote the development of MSMEs.
Q&A: Implementation of People's Business Credit in Developing Micro, Small and Medium Enterprises at PT Bank Rakyat Indonesia (Persero) Tbk Stabat Branch

Frequently Asked Questions

This article provides answers to frequently asked questions related to the implementation of People's Business Credit (KUR) in developing Micro, Small and Medium Enterprises (MSMEs) at PT Bank Rakyat Indonesia (Persero) Tbk Stabat Branch.

Q1: What is People's Business Credit (KUR)?

A1: People's Business Credit (KUR) is a government initiative aimed at providing access to capital for productive Micro, Small and Medium Enterprises (MSMEs) that have not met the requirements to get loans from banks.

Q2: What is the objective of KUR?

A2: The objective of KUR is to provide access to capital for MSMEs, promoting their growth and development.

Q3: How does KUR work?

A3: KUR is channeled through various banks, and Bank Rakyat Indonesia (BRI) is one of the biggest distributors. The bank provides loans to MSMEs that meet the eligibility criteria, and the government provides subsidies to the bank to reduce the interest rate.

Q4: What are the benefits of KUR?

A4: The benefits of KUR include:

Providing access to capital for MSMEs
Promoting the growth and development of MSMEs
Creating employment opportunities
Increasing the competitiveness of MSMEs

Q5: What are the challenges faced by MSMEs in accessing capital?

A5: The challenges faced by MSMEs in accessing capital include:

Lack of collateral
Limited credit history
High interest rates
Limited access to financial institutions

Q6: How does BRI Stabat Branch implement KUR?

A6: BRI Stabat Branch implements KUR through a strong organizational structure, where credit analysis is carried out carefully, ensuring that the loan is only given to a proper debtor. The bank also provides effective communication to the debtor and the community, increasing their trust and understanding of the program.

Q7: What are the results of the implementation of KUR at BRI Stabat Branch?

A7: The results of the implementation of KUR at BRI Stabat Branch show that no cases of bad credit were found in KUR in the branch, indicating that the program was successful in providing access to capital for MSMEs.

Q8: What are the recommendations for the bank and the government?

A8: The recommendations for the bank and the government include:

Continuing to provide support to MSMEs through KUR
Paying attention to the needs of the debtor, providing facilities such as daily or weekly quote facilities to facilitate payment transactions
Working together to promote the development of MSMEs, providing access to capital, training, and other forms of support

Q9: What are the limitations of the study?

A9: The limitations of the study include:

The study was conducted in a single branch of BRI, which may not be representative of the entire bank
The study only focused on the implementation of KUR, and did not examine other factors that may affect the development of MSMEs
The study relied on qualitative data, which may be subjective and biased

Q10: What are the future research directions?

A10: The future research directions include:

Examining the impact of KUR on the development of MSMEs in other regions
Investigating the factors that affect the implementation of KUR, such as the organizational structure and communication
Developing a more comprehensive model of the implementation of KUR, taking into account other factors that may affect the development of MSMEs