Nur Hidayah


Abstract: This study aims to determine the distribution of KUR policies in
developing small businesses in Fakfak Regency. The results showed that (1) the implementation of the KUR program was understood as an action taken through the mechanism of channeling KUR from the government, then the credit guarantee company, then the implementing bank, and finally to the UKM actors. The implementation of the KUR program has succeeded in helping improve the ability of people who have business embryos to utilize their businesses to improve their welfare. The Implementation process is in the form of stages of submission of KUR, namely the prospective debtor makes a loan application, then the bank conducts a credit review and analysis (inspection stage), then grants the decision and disbursement of credit. (2) the lack of socialization carried out by the regional government both at the sub-district level and at related agencies can actually further optimize the KUR program that is currently running. It's just that this is not done well by the government. (3) the minimal role of local governments in the implementation of the KUR program often KUR customers, especially business actors apply for loans without the local government knowing. Whereas based on the purpose of the KUR program, one of which is to improve the economy in the regions by empowering micro and small businesses in an effort to prioritize the potential of their respective regions. (4) KUR distribution is not yet fully on target. Period 2018 results of BRI Internal Audit that there are 15 KUR
disbursements that are not on target (BRI Internal Audit Source). KUR distribution is mostly absorbed not for the productive business sector, as used not as an additional productive business capital. This actually makes the KUR program less optimally felt by business actors.

Keywords: lending policy, small business development.

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