ANALISIS KINERJA IMPLEMENTASI PROGRAM KREDIT USAHA RAKYAT (KUR) TINGKAT PROPINSI DI INDONESIA

Aditya Wardhana dan Zainuddin Iba

Sari


The Kredit Usaha Rakyat (KUR) program was born as a response from presidential instruction (Inpres) no. 6 / 2007 about policy acceleration real sector development and empowerment of micro business, small, and medium enterprises, especially the reform of the financial sector. Expected the KUR program could alleviate poverty in line with the master plan for acceleration and extension the reduction of poverty level in Indonesia (MP3KI). In the implementation of the funds, or the implementation of the program there are three important pillars namely: a government that serves help and support the implementation of the provision of credit and credit insurance debtors, as well as the preparation of a candidate company warrantor who act as surety for credit/ financing already channeled by banks, and banking as recipients of assurance well-functioned channeling credits to UMKM and cooperatives by the use of internal funds each executing bank. The business of which were financed with the funding for the kur program was a productive feasible, but had not bankable. The kur program continue to increase the performance of distribution

 

Keywords : Kredit Usaha Rakyat (KUR)


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Referensi


Nota Kesepahaman Bersama (MoU) antara 6 (enam) Kementerian dengan 2 (dua) Perusahaan Penjamin dan 6 (enam) Bank Pelaksanaan tentang Penjaminan Kredit/Pembiayaan kepada Usaha Mikro, Kecil, Menengah dan Koperasi, tanggal 9 Oktober 2007. sebagaimana telah beberapa kali diubah terakhir dengan Addendum IV tanggal 10 Januari 2012.

Keputusan Menteri Koordinator Bidang Perekonomian Nomor: KEP-22/M.EKON/10/2009 tentang Komite Kebijakan Penjaminan Kredit/ Pembiayaan kepada Usaha Mikro, Kecil Menengah dan Koperasi;

Keputusan Deputi Bidang Koordinasi pada Ekonomi Makro dan Keuangan Kementerian Koordinator Bidang Perekonomian Selaku Ketua Tim Pelak-sana Komite Kebijakan Penjaminan Kredit/Pembiayaan kepada Usaha Mikro, Kecil, Menengah, dan Koperasi No. KEP-01/D.I.M.EKON/01/2010 Tentang Standar Operasional dan Prosedur Pelaksanaan Kredit Usaha Rakyat, tanggal 25 Januari 2010, sebagaimana diubah beberapa kali terakhir No. KEP-14/D.I.M.EKON/02/ 2012 tentang Standar Operasional dan Prosedur Pelaksanaan Kredit Usaha Rakyat, tanggal 1 Februari 2012

Komiter KUR. 2013. http://www.komite-kur.com/article-84-sebaran-penyaluran-kredit-usaha-rakyat-periode-november-2007-mei-2013.asp


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