Persoalan-persoalan masyarakat yang memilih untuk tidak mengakses pembiayaan kredit usaha rakyat
Keywords:
Msmes, people’s business credit, online loans, social issues, financial information service systemAbstract
People’s Business Credit (Kredit Usaha Rakyat/KUR) is a government program aimed at increasing access to financing for Micro, Small, and Medium Enterprises (MSMEs). However, in practice, many MSME actors still prefer using online loans rather than KUR. This study aims to identify the factors that cause MSME actors to prefer online loans over People’s Business Credit. This research uses a qualitative research method with descriptive specifications and a normative-sociological approach. The data sources were obtained through library research, including laws and regulations, scientific journals, books, and various other literature relevant to the study. The results of the study indicate that several factors cause MSME actors to prefer online loans over KUR. These factors include the requirement that businesses must have operated for at least six months, the lengthy process of KUR application and disbursement, complicated administrative procedures, low public financial literacy, and poor credit history that affects KUR eligibility through the Financial Information Service System (SLIK) checking process. On the other hand, online loans are considered easier to access, have a faster process, and require simpler administrative requirements. Based on the findings, it can be concluded that administrative and procedural barriers in accessing KUR are the main reasons why MSME actors prefer online loans. Therefore, it is necessary to simplify KUR application procedures, improve public financial literacy, and optimize financing services so that access to KUR can become more effective and well-targeted for MSME actors.
Downloads
References
Aftitah, F. N., K, J. L., Hasanah, K., Lailatul, N., Bina, U., & Informatika, S. (2025). Pengaruh UMKM Terhadap Pertumbuhan Ekonomi Di Indonesia Pada Tahun 2023 Pemerintah mendukung UMKM melalui program seperti Kredit Usaha Rakyat ( KUR ), meskipun penyalurannya tahun 2023 belum memenuhi target . UMKM kini terus. 3, 32–43.
Aristanto, E., Khouroh, U., Ratnaningsih, C. S., Ekonomi, F., & Malang, U. M. (2020). Dinamika Kebijakan Program Kredit Usaha Rakyat ( KUR ) di Indonesia. (2019), 85–95.
Aisyah, E. N., & Maulida, L. U. (2024). Peran Pembiayaan KUR Mikro dalam Mendukung Pertumbuhan UMKM di Bank Syariah Indonesia KCP Malang Turen. Ekonomi dan Akuntansi, 9. https://repository.uin-malang.ac.id/20747/
Arfan, A. (2024). Inisiatif Bank Indonesia dalam Perencanaan Pengembangan Perbankan Syariah. https://repository.uin-malang.ac.id/23336/
Aulia, L. N. (2015). Pengaruh Pembiyaan Sektor UMKM Dan NPF Terhadap Laba Operasional PT Bank Syariah Mandiri Pusat [Universitas UIN Syarif Hidayatullah].
Budiman, A., Hidayat, M. A., & Putri, N. S. (2023). Pengaruh Efektivitas Kredit Usaha Rakyat ( KUR ) Terhadap Peningkatan Profit Usaha Mikro ( Studi Kasus Pada Nasabah Bank Rakyat Indonesia Kantor Cabang Tulang Bawang ). 1(5), 1365–1384.
Buu, A. L., Dekrita, Y. A., Darius, Y., & Rangga, P. (2024). Implementasi Pemberian Kredit Usaha Rakyat ( KUR ) pada KSP Kopdit Obor Mas Cabang Pasar Tingkat. 7(1), 156–167.
Dedy, E., Leong, Y., & Nirmala, T. (2024). Faktor-Faktor Yang Mempengaruhi Tingkat Pinjaman. 4(1), 218–229.
Fauzi, M. (2025). Optimalisasi fintech untuk mempeluas jangkauan lembaga keuangan dalam membangun usaha mikro dan kecil menengah. 3, 578–583.
Firdausya, L. Z., Ompusunggu, D. P., Pembangunan, J. E., Raya, U. P., & Raya, U. P. (2023). Usaha mikro kecil dan menengah (umkm) di era digital abad 21 micro, small and medium enterprises (msme) the digital age of the 21. 1(3), 14–18.
Jaya, T. J. (2018). No Analisis Pengaruh Kredit Usaha Rakyat Terhadap Nilai Produksi Usaha Mikro Kecil di Kota Metro. https://repository.uin-malang.ac.id/6208/
Ramadan, S. (2024). Website : https://journal.unilak.ac.id/index.php/Respublica Tinjauan Yuridis Mitigasi Terjadinya Non Performing Loan Pada Kredit Usaha Rakyat Berdasarkan Permenko Perekonomian Nomor 1 Tahun 2023 ( Studi Pada Bank Pembangunan Daerah Lampung ) Bank adalah l. 89–103.
Riyanto, F. D., Muhammad, N. D., & Rosyada, F. (2024). Determinants of the decision to grant KUR to MSMEs in Malang City in 2022. Manajemen Dan Bisnis, 23(1), 81–92.
S, B., & Prajawati, M. I. (2020). Membangun Hubungan Berkelanjutan Sektor UMKM dan Perbankan. Iqtishoduna, 16(2), 147–166. https://doi.org/10.18860/iq.v16i2.7876
Sari, N. K., & Imaningsih, N. (2022). Pengaruh Faktor Internal dan Eksternal terhadap Penyaluran Kredit Usaha Rakyat ( KUR ) bagi UMKM ( Studi Kasus Pada PT . Bank Rakyat Indonesia Tahun 2011-2020 ) Productive Theory of Credit. 10, 121–132.
Suryani, E., Wahyulina, S., Hidayati, S. A., Majapahit, J., Mataram, N., & Barat, N. T. (2019). Akses Usaha Kecil dan Mikro ( UKM ) terhadap Kredit Usaha Rakyat ( KUR ) dan Dampaknya terhadap Perkembangan Usaha : Kasus UKM di Kota Mataram. 5, 186–202.
Undang-Undang Nomor 2 Tahun 2002 Tentang Kepolisian Negara Republik Indonesia.
Wahyudin, M., Agama, I., Al, I., & Cepu, M. (2024). Efektivitas Layanan dan Administrasi dalam Optimalisasi Program Kredit Usaha Rakyat ( KUR ) untuk Pengembangan Usaha Masyarakat. 01(Desember), 45–54.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 Alfan Nasrulloh Wijaya
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work’s authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal’s published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
