Dampak Program KUR Bank BRI Terhadap Pendapatan Pelaku Usaha Mikro di Pasar Kumbasari dan Pasar Kreneng Kota Denpasar
| Main Authors: | Dianthy, Luh Gede Arieska, Marhaeni, Anak Agung Istri Ngurah |
|---|---|
| Format: | Article info application/pdf eJournal |
| Bahasa: | eng |
| Terbitan: |
E-Jurnal Ekonomi Pembangunan Universitas Udayana
, 2017
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| Online Access: |
http://ojs.unud.ac.id/index.php/eep/article/view/31583 http://ojs.unud.ac.id/index.php/eep/article/view/31583/20928 |
Daftar Isi:
- Krisis ekonomi telah menurunkan tingkat kesejahteraan rakyat Indonesia, berdasarkan survei pada tahun 2003. Upaya yang dilakukan oleh pemerintah dalam meningkatkan kesejahterahan rakyat yaitu dengan mengembangkan Usaha Mikro Kecil dan Menengah (UMKM). Namun, masih banyak kendala yang dihadapi, salah satunya adalah masalah permodalan. Oleh sebab itu pemerintah mencanangkan program KUR (Kredit Usaha Rakyat) yang dapat membantu UMKM dalam masalah permodalan. Sehingga perlu diadakannya evaluasi terkait dengan program KUR BRI yang diserap di Pasar Kumbasari dan Pasar Kreneng Kota Denpasar. Tujuan dari pada penelitian ini yaitu 1) Menganalisis persepsi penerima kredit terhadap eksistensi Program KUR Bank BRI di Pasar Kumbasari dan Pasar Kreneng, 2) Menganalisis perbedaan kondisi usaha penerima KUR yang menyangkut modal usaha, omzet, asset, variasi produk, dan pendapatan sebelum dan sesudah menerima kredit dari Bank BRI di Pasar Kumabsari dan Pasar Kreneng. 3) Menganalisis perbedaan dampak KUR Bank BRI terhadap pendapatan penerima KUR di Pasar Kumbasari dengan penerima KUR di Pasar Kreneng. Hasil analisis persepsi menunjukkan penerima kredit terhadap eksistensi program KUR BRI dilihat dari sosialisasi yang dilakukan dikedua pasar telah dilakukan dengan baik oleh petugas, dari segi persyaratan menurut pedagang di Pasar Kumbasari dan Kreneng, persyaratan untuk memperoleh KUR tergolong mudah, dan cepat dalam proses pencairannya. Program KUR memberikan manfaat bagi penerima. Frekuensi menerima KUR rata-rata dikedua pasar hanya satu kali. Program KUR BRI berdampak positif dan ada perbedaan kondisi modal, omzet aset, variasi produk, dan pendapatan antara sebelum dan sesudah menerima KUR di Pasar Kumbasari dan Pasar Kreneng. Terdapat perbedaan dampak penerima KUR Bank BRI di Pasar Kumbasari dengan penerima KUR di Pasar Kreneng. Dampak yang ditimbulkan dengan adanya Program KUR Bank BRI di Pasar Kumbasari lebih besar dibandingkan dengan dampak yang ditimbulkan di Pasar Kreneng, diukur dari segi pendapatan pedagang. Kata Kunci : Kesejahteraan, UMKM, KUR Bank BRI
- ABSTRACT The economic crisis has lowered the welfare of the people of Indonesia, based on a survey in 2003. Efforts undertaken by the government in improving people's welfare is by developing Micro Small and Medium Enterprises (SMEs). However, there are still many obstacles encountered, one of which is the problem of capital. Therefore the government launched the program KUR (People's Business Credit) that can help SMEs in the capital problem. So it is necessary to hold evaluation related to KUR BRI program which is absorbed in Kumbasari Traditional Market and Kreneng Traditional Market, Denpasar City. The purpose of this research is 1) to analyze the perceptions of credit recipients to the existence of BRI KUR Program in Kumbasari Market and Kreneng Market, 2) to analyze the difference of business condition of KUR recipients concerning business capital, turnover, asset, product variation, and income before and after Received credit from BRI Bank at Kumabsari Market and Kreneng Market. 3) to analyze the difference of income of KUR receiver of BRI Bank in Kumbasari Market with KUR receiver in Kreneng Market. The result of perception analysis shows that credit recipients to the existence of KUR BRI program seen from the socialization conducted in both markets have been done well by the officers, in terms of requirements according to traders in Kumbasari Market and Kreneng Market, the requirement to obtain KUR is easy and fast in the process of liquefaction. The KUR program benefits beneficiaries. Frequency of receiving average KUR in both markets only once. The KUR BRI program has a positive impact and there are differences in capital conditions, asset turnover, product variation, and income between before and after receiving KUR at Kumbasari Market and Kreneng Market. There are differences in the impact of Bank BRI KUR receivers in Kumbasari market with KUR receivers in Kreneng Market. The impact of the BRI KUR Program in Kumbasari Market is greater than the impact of Kreneng market, as measured by the merchant's income. Keywords: Welfare, SMEs, KUR BRI