Implementasi Program Penyaluran KUR Dalam Pengembangan Usaha Kecil Dan Menengah Pada PT. Bank BRI Kecamatan Kobalima Kabupaten Malaka

SIQUERA, Eva (2020) Implementasi Program Penyaluran KUR Dalam Pengembangan Usaha Kecil Dan Menengah Pada PT. Bank BRI Kecamatan Kobalima Kabupaten Malaka. Undergraduate thesis, Universitas Katolik Widya Mandira Kupang.

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Abstract

Implementation of the KUR distribution program in the development of UKM at PT BANK BRI Kobalima sub-district, Malaka district: trying to find out the KUR program provided to UKM actors, and the benefitsof the KUR program as well as UKM actors who have not received the KUR program and the occurrence of bad credit for the perpetrators UKM or customers. The researcher uses a qualitative approach that is examining an object by gathering, describing, and analyzing data and facts and drawing conclusions in accordance with the objectives of the researcher.Researchers used observation, interview, and documentation techniques. Informants in the researcher UKM (2 people) customer UKM (5 people). The KUR program is very helpful in developing small and medium enterprises.one of the efforts made by BRI is to disseminate information to the UKM Kobalima community with aim of providing understanding to the UKM community in using KUR to improve their business, but there are several factors causing the KUR program, namely the program curves that are not right on target, some UKM people who have not received KUR because they are not affordable, low participation of the community is due to laziness in dealing with BANK, such as submitting applications that require a long time and high interest rates. Efforts to prevent causative factors in the KUR. 1) program to optimize the socialization of KUR. 2) reviewing KUR’s filing requirementsso that it makes it easier for the UKM actors to get KUR and take advantage of KUR. 3) the BANK monitors each customer to see the customer’s business development.

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