THE ROLE OF PEOPLE'S BUSINESS CREDIT (KUR) FINANCING IN BRI PUGER UNIT BANK CUSTOMERS (CASE STUDY OF UMKM IN PUGER JEMBER DISTRICT)

Abstract

Research object at PT. Bank Rakyat Indonesia Tbk with its segmentation and village empowerment programs by implementing people's business credit programs which aim to empower UMKM from the micro segmentation. This research aims to find out the role of KUR financing institutions in the development of UMKM in Puger District, what are the procedures for providing KUR financing and the obstacles experienced by MSME actors or customers when applying for KUR financing at PT. Bank BRI Tbk. This type of research is descriptive research using a qualitative approach. The sample used was 10 informants using a sampling technique snowball sampling.  There are 3 stages of qualitative research, namely pre-field, fieldwork stage and data analysis stage. In the data analysis stage, researchers process the informants' findings through a member check process, data triangulation and data confidentiality. In the next stage, the validity of the research is tested using research subject competencies, Trustworthiness, Intersubjectivity Agreement, dan Conscientization. The results of the research show that 1) KUR financing is able to provide acceleration for MSME players in increasing their business capacity, easily obtain additional capital, low interest, and really helps MSME players in getting information about capital loans, 2) provide information about transparent procedures for granting KUR credit. to customers, 3) the obstacles experienced by prospective KUR customers are administrative requirements which are felt to have not been fulfilled in the loan application process and obstacles from the bank are the lack of openness of prospective customers in providing statements regarding the burdens and dependents they still have.