The Implementation of Micro Credit Program (KUR) on the Welfare of Micro, Small, and Medium Enterprises (UMKM): A Case Study at BRI Bank Office, East Lingkar Unit, Bengkulu City

Authors

  • Heru Purnawan Program Studi Administrasi Publik, Fakultas Ilmu Sosial dan Ilmu Politik, Universitas Prof. Dr. Hazairin, SH Bengkulu, Indonesia
  • Evsa Wulan Suri Program Studi Administrasi Publik,Fakultas Ilmu Sosial dan Ilmu Politik, Universitas Prof. Dr. Hazairin, SH Bengkulu, Indonesia
  • Noprian Saputra Program Studi Administrasi Publik,Fakultas Ilmu Sosial dan Ilmu Politik, Universitas Prof. Dr. Hazairin, SH Bengkulu, Indonesia
  • Henny Aprianty Program Studi Administrasi Publik, Fakultas Ilmu Sosial dan Ilmu Politik, Universitas Prof. Dr. Hazairin, SH Bengkulu, Indonesia

Keywords:

policy implementation, Kredit Usaha Rakyat (KUR), Micro, Small, and Medium Enterprises (UMKM)

Abstract

Poverty and unemployment are two complex problems faced by Indonesia today. In this context, the lack of competent human resources and difficulties in meeting economic needs make the economy of society in general complicated. The government has consistently attempted to overcome this problem from one period to the next. One of the programs launched is the People's Business Credit (KUR) which aims to build the community's economy. The KUR program is a loan or financing provided to Micro, Small, and Medium Enterprises (MSMEs) in the form of investments and payments for labor and other services. This initiative has been approved by the government, with the government guaranteeing 70% of the KUR risk and the remainder being borne by the implementing bank. Several banks, such as Mandiri, BRI, BNI, Bukopin, BTN, and BSI, have agreed to support the KUR program. This study aims to analyze the implementation of the KUR program using the Van Meter and Van Horn Implementation Models. This model involves factors such as size and policy objectives, resources, characteristics of implementing agents, attitudes/dispositions, and the economic, social, and political environment. In the context of Bengkulu City, this research is expected to provide a better understanding of the effectiveness of the KUR program in improving the welfare of MSMEs.

Keywords: People's Business Credit (KUR), Community Enterprises (MSMEs), policy implementation, welfare

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Published

2023-11-30
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