Dampak Pembiayaan Kredit Usaha Rakyat (KUR) pada Pengembangan UMKM

Studi Kasus Nasabah BSI Cabang Sibolga, Sumatera Utara

Abstract

This study examines the role of People's Business Credit (Kredit Usaha Rakyat/KUR) financing in supporting the development of Micro, Small, and Medium Enterprises (MSMEs) in Sibolga City. It aims to analyze the impact of KUR financing on MSME development, identify challenges faced by beneficiaries, and examine its implementation from an Islamic perspective at Bank Syariah Indonesia (BSI) Sibolga Branch. A qualitative case study approach was employed. Data were collected through observation, in-depth interviews, and documentation involving BSI representatives and KUR beneficiaries, then analyzed using the Miles, Huberman, and Saldana model. The findings show that KUR financing positively contributes to MSME development by increasing business capital, production capacity, sales turnover, product diversification, business expansion, and family welfare. However, several challenges remain, including weak financial management, limited business records, inadequate human resources, administrative requirements, income fluctuations, and delayed installment payments. From an Islamic perspective, KUR financing at BSI Sibolga Branch complies with the principles of justice, prohibition of riba, and transparency in contractual agreements, although customers' understanding of Islamic financing contracts requires further improvement. Enhanced mentoring and financial education are recommended to maximize program effectiveness.