Analisis Efektivitas Kredit Usaha Rakyat (KUR) Mikro BRI Unit Oepura Berdasarkan Aspek Ketepatan

KUDJI, Ruthdayana Juniati Radja (2020) Analisis Efektivitas Kredit Usaha Rakyat (KUR) Mikro BRI Unit Oepura Berdasarkan Aspek Ketepatan. Undergraduate thesis, Unika Widya Mandira.

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Abstract

This research was written by Ruthdayana J. Radja Kudji (31116124) Program on economic development under the guidance, Supervisor I Br. Salomon Leki, SE, M. Dev and Supervisor II Mr. Adrianus Ketmoen, SE, MM with the title of the research "effectiveness of credit of the People's Business (KUR) Micro The purpose of this research is 1) to find out the effectiveness of KUR Mikro based on target precision aspect. 2) to know the effectiveness of KUR microfinance based on the accuracy aspect of credit amount. 3) to know the effectiveness of KUR microfinance based on the accuracy aspect of credit burden. And 4) to know the effectiveness of KUR Mikro based on accuracy procedure aspect. This research uses quantitative data, the type of data that can be measured or calculated directly, in the form of information or explanations expressed by number or form of numbers. The Data source used in this study is the primary data by using a list of assertions (questionnaires). There are 95 samples in this study then analyzed using a descriptive method. The results of the research obtained: the effectiveness of KUR Mikro BRI Unit Oepura based on the accuracy of the target has an average score of 21.28, where the value is at intervals of 19.6 – 21.4 which is in the category quite effective. The effectiveness of KUR Mikro BRI Unit Oepura based on the accuracy aspect of the average credit score of 21.44, where the value is at the intervals of 21.4 – 23.2 which is in the effective category. The effectiveness of KUR Mikro BRI Unit Oepura based on the accuracy aspect of credit expense average score 22.14, where the value is at the intervals of 21.8 – 23.4 which is in the effective category. And the effectiveness of KUR Mikro BRI Unit Oepura based on the accuracy aspect of the average procedure score 29.74, where the value is at the intervals of 29.4 – 32.2 which is in the effective category. From the analysis is advised that the bank as a distributor of KUR Mikro should be more frequent socialization about the procedures and requirements needed to make it easier for customers who want to apply for KUR. It is hoped that the bank also socialize the benefits and objectives of KUR program so that the received KUR funds are actually used for business purposes.

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