Analisis Penyaluran Kredit Usaha Rakyat (KUR) UMKM pada BRI Cabang Tiakur
DOI:
https://doi.org/10.61132/apke.v3i4.2760Keywords:
Case Studies, Loan Disbursement, Microenterprise Loans, MSME Financing, Non-Performing LoansAbstract
This study examines the distribution of People’s Business Credit (Kredit Usaha Rakyat or KUR) to micro, small, and medium enterprises (MSMEs) at BRI Tiakur Branch during the 2023–2025 period. The study is motivated by fluctuations in credit realization, changes in the number of debtors, and variations in the nominal value of non-performing loans. It aims to describe the development of KUR distribution, identify potential obstacles in the lending process, and examine factors that may be associated with the gap between distribution targets and actual realization. This research employs a qualitative approach using a case study method. The analysis is based on quarterly KUR distribution data. The available data indicate that total recorded KUR realization decreased from IDR 5.70 billion in 2023 to IDR 3.96 billion in 2024 and IDR 3.33 billion in 2025. The recorded interest rate remained at 6% throughout the observation period, while the nominal value of non-performing loans fluctuated. These findings indicate that KUR distribution at BRI Tiakur Branch requires further examination beyond interest rates, particularly regarding borrower eligibility, administrative requirements, business financing needs, credit assessment procedures, and credit risk management. The study is expected to provide contextual insights into the implementation of KUR distribution and support the development of strategies to improve lending effectiveness, expand MSME access to financing, and maintain credit quality.
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