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
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
References
Abidin, S. Z. (2016). Kebijakan publik (M. Masykur, D. Mandasari, & D. A. Halim (eds.); Edisi tiga). Salemba Humanika.
Adi, I. R. (2018). Kesejahteraan sosial : pekerjaan sosial, pembangunan sosial, dan kajian pembangunan (3rd ed.). Raja Grafindo Persada.
Aristanto, E. (2019). Kredit Usaha Rakyat (KUR) : Pilihan Kebijakan Afirmatif Mendorong Pengembangan Usaha Mikro, Kecil, Dan Menengah Di Indonesia. Journal of Banking and Finance, 1(1), 1–12.
Ashar, A., & Agustang, A. (2020). DAMPAK SOSIAL DANA DESA DALAM KESEJAHTERAAN MASYARAKAT DI DESA KALOLA, KECAMATAN MANIANGPAJO, KABUPATEN WAJO. Jurnal Sosialisasi, 7(2). http://apium.um.edu.my/journals/journal_usul/No_Usul.php
Creswell, J. W. (2014). Research Design (Pendekatan Kualitatif, Kuantitatif, dan Mixed). Pustaka Pelajar.
Creswell, J. W. (2018). Research Design Qualitative, Quantitative, and Mixed Methods Approaches (Second Edi). University of Nebraska.
Creswell, J. W. (2019). Research Design : Pendekatan Metode Kualitatif, Kuantitatif, dan Campuran. Pustaka Pelajar.
Emzir. (2015). Metodologi penelitian pendidikan : kuantitatif dan kualitatif (1st ed.). Rajawali Pers.
Fahrudin, A. (2018). Pengantar Kesejahteraan Sosial (N. F. Atif (ed.); 3rd ed.). Refika Aditama.
Gustika, R. (2016). PENGARUH PEMBERIAN KREDIT USAHA RAKYAT TERHADAP PENDAPATAN MASYARAKAT LADANG PANJANG KEC. TIGO NAGARI KAB. PASAMAN (Studi Kasus Masyarakat pemilik UKM). E-Jurnal STIE Pasaman (Sekolah Tinggi Ilmu Ekonomi), 4(2), 107–115. https://core.ac.uk/download/pdf/196255896.pdf
Khoirin, Purnawan, H., & Anggraini, D. (2020). Analisis Kebijakan Program Pembinaan Anak Jalanan Oleh Dinas Sosial Di Ogan Iir. Publisitas, 7(2), 140–148.
Mulyadi, D. (2015). Studi Kebijakan Publik dan Pelayanan Publik. Alfabeta.
Nugroho, R. (2011). Public Policy: Dinamika Kebijakan, Analisis Kebijakan, Manajemen Kebijakan. PT Elex Media Komputindo.
Purnawan, H. (2020). IMPLEMENTASI KEBIJAKAN DANA DESA DI DESA MAKARTITAMA DAN DI DESA ULAK MAS KECAMATAN LAHAT KABUPATEN LAHAT. JurnalPenelitianSosialdan Politik, 9(1), 35–55.
Purnawan, H. (2021). Implementation of Central Government Policy on Priority for the Use of Village Funds in Makartitama and Ulak Mas Villages , Lahat Regency , Indonesia. 06(1), 1–9.
Purnawan, H., Noviyanto, H., & Tauran. (2022). IMPLEMENTASI PERATURAN MENTERI DALAM NEGERI NOMOR 4 TAHUN 2010 TENTANG PELAYANAN ADMINISTRASI TERPADU KECAMATAN (PATEN) DI KECAMATAN MULAK ULU KABUPATEN LAHAT. Mimbar: Jurnal Penelitian Sosial Dan Politik, 11(2), 229–237.
Purnawan, H., Triyanto, D., & Thareq, S. I. (2022). Implementasi Kebijakan Bantuan Langsung Tunai Dana Desa di Desa Taba Air Pauh Kabupaten Kepahiang. Perspektif, 11(2). https://doi.org/10.31289/perspektif.v11i2.5876
Riawan, R., & Kusnawan, W. (2018). Pengaruh Modal Sendiri dan Kredit Usaha Rakyat (KUR) Terhadap Pendapatan Usaha (Studi Pada UMKM di Desa Platihan Kidul Kec. Siman). Jurnal Akuntansi Dan Pajak, 19(1), 31. https://doi.org/10.29040/jap.v19i1.158
Sugiyono. (2010). Metode Penelitian Kualitatif Kualitatif Dan R & D. ALFABETA.
Triyanto, D., Purnawan, H., Saputra, B., Padang, U. N., Governance, G., Publik, P., Bengkulu, K., Governance, G., Service, P., & City, B. (2021). Penerapan Prinsip Good Governance Dalam Pelayanan Publik Di Puskesmas Betungan Kota Bengkulu Application of Good Governance Principles in Public Services At the Betungan Community Health Center , Bengkulu City. Jurnal Ilmiah Ilmu Administrasi Negara Dan Ilmu Komunikasi.
Wahab. (2012). ANALISIS KEBIJAKAN: Dari Formulasi ke penyusunan Model-Model Implementasi Kebijakan Publik. PT. Bumi Aksara.
Winarno, B. (2014). Kebijakan publik : teori, proses, dan studi kasus (T. Admojo (ed.); 2nd ed.). CAPS.
Wiratna, S., & Lila, U. R. (2017). Analisis Dampak Pembiayaan Dana Bergulir KUR (Kredit Usaha Rakyat) Terhadap Kinerja UMKM (Studi Kasus di Daerah Istimewa Yogyakarta). Jurnal Bisnis Dan Ekonomi (JBE), 22(1), 11–25.
Published
Issue
Section
License
Retained Rights/Terms and Conditions of Publication
1. As an author you (or your employer or institution) may do the following:
- make copies (print or electronic) of the article for your own personal use, including for your own classroom teaching use;
- make copies and distribute such copies (including through e-mail) of the article to research colleagues, for the personal use by such colleagues (but not commercially or systematically, e.g. via an e-mail list or list server);
- present the article at a meeting or conference and distribute copies of the article to the delegates attending such meeting;
- for your employer, if the article is a ‘work for hire, made within the scope of your employment, your employer may use all or part of the information in the article for other intra-company use (e.g. training);
- retain patent and trademark rights and rights to any process, procedure, or article of manufacture described in the article;
- include the article in full or in part in a thesis or dissertation (provided that this is not to be published commercially);
- use the article or any part thereof in a printed compilation of your works, such as collected writings or lecture notes (subsequent to publication of the article in the journal); and prepare other derivative works, to extend the article into book-length form, or to otherwise re-use portions or excerpts in other works, with full acknowledgement of its original publication in the journal;
- may reproduce or authorize others to reproduce the article, material extracted from the article, or derivative works for the authors personal use or for company use, provided that the source and the copyright notice are indicated, the copies are not used in any way that implies the Department of Public Administration, Universitas Negeri Surabaya endorsement of a product or service of any employer, and the copies themselves are not offered for sale.
All copies, print or electronic, or other use of the paper or article must include the appropriate bibliographic citation for the articles publication in the journal.
2. Requests from third parties
Although authors are permitted to re-use all or portions of the article in other works, this does not include granting third-party requests for reprinting, republishing, or other types of re-use. Requests for all uses not included above, including the authorization of third parties to reproduce or otherwise use all or part of the article (including figures and tables), should be referred to the Department of Public Administration, Universitas Negeri Surabaya by going to our website at https://journal.unesa.ac.id/index.php/jpsi
3. Author Online Use
- Personal Servers. Authors and/or their employers shall have the right to post the accepted version of the article pre-print version of the article, or a revised personal version of the final text of the article (to reflect changes made in the peer review and editing process) on their own personal servers or the servers of their institutions or employers without permission from the Department of Public Administration, Universitas Negeri Surabaya, provided that the posted version includes a prominently displayed the Department of Public Administration, Universitas Negeri Surabaya copyright notice and, when published, a full citation to the original publication, including a link to the article abstract in the journal homepage. Authors shall not post the final, published versions of their papers;
- Classroom or Internal Training Use. An author is expressly permitted to post any portion of the accepted version of his/her own articles on the authors personal website or the servers of the authors institution or company in connection with the authors teaching, training, or work responsibilities, provided that the appropriate copyright, credit, and reuse notices appear prominently with the posted material. Examples of permitted uses are lecture materials, course packs, e-reserves, conference presentations, or in-house training courses;
- Electronic Preprints. Before submitting an article to JPSI, authors frequently post their manuscripts to their own website, their employers site, or to another server that invites constructive comments from colleagues. Upon submission of an article to JPSI, an author is required to transfer copyright in the article to the Department of Public Administration, Universitas Negeri Surabaya, and the author must update any previously posted version of the article with a prominently displayed the Department of Public Administration, Universitas Negeri Surabaya copyright notice. Upon publication of an article by the Department of Public Administration, Universitas Negeri Surabaya, the author must replace any previously posted electronic versions of the article with either (1) the full citation to the work with a Digital Object Identifier (DOI) or link to the article abstract in the JPSI homepage, or (2) the accepted version only (not the final, published version), including the Department of Public Administration, Universitas Negeri Surabaya copyright notice and full citation, with a link to the final, published article in journal homepage.
4. Articles in Press (AiP) service
The Department of Public Administration, Universitas Negeri Surabaya may choose to publish an abstract or portions of the paper before we publish it in the journal. Please contact our Production unit immediately if you do not want us to make any such prior publication for any reason, including disclosure of a patentable invention.
5. Author/Employer Rights
If you are employed and prepared the article on a subject within the scope of your employment, the copyright in the article belongs to your employer as a work-for-hire. In that case, the Department of Public Administration, Universitas Negeri Surabaya assumes that when you sign this Form, you are authorized to do so by your employer and that your employer has consented to the transfer of copyright, to the representation and warranty of publication rights, and to all other terms and conditions of this Form. If such authorization and consent have not been given to you, an authorized representative of your employer should sign this Form as the Author.
6. The Department of Public Administration, Universitas Negeri Surabaya Copyright Ownership
It is the formal policy of the Department of Public Administration, Universitas Negeri Surabaya to own the copyrights to all copyrightable material in its technical publications and to the individual contributions contained therein, in order to protect the interests of the Department of Public Administration, Universitas Negeri Surabaya, its authors and their employers, and, at the same time, to facilitate the appropriate re-use of this material by others. The Department of Public Administration, Universitas Negeri Surabaya distributes its technical publications throughout the world and does so by various means such as hard copy, microfiche, microfilm, and electronic media. It also abstracts and may translate its publications, and articles contained therein, for inclusion in various compendiums, collective works, databases and similar publications
Every accepted manuscript should be accompanied by a "Copyright Transfer Agreement" prior to the article publication.
Abstract views: 146
,
PDF Downloads: 0
