Efektivitas Program Kredit Usaha Rakyat( KUR) Dalam Meningkatkan Kesejahteraan Masyarakat Oleh Bank Rakyat Indonesia (BRI) Di Kelurahan Harjosari Kec Medan Amplas

Abstract

Unequal development and centering making an area of other areas which located outside the area had lop-sided development in terms of society. Poverty and welfare level inadequate to be a result of the condition. Various problems this happened because the lack of cooperation between the government and community in developing a reciprocal relation harmonious. But later government provide solutions very precise for the development of the entrepreneurs or umkm in developed effort and improve his life. This program named kur, chairs and aims to improve income and public life meliorate; but the program not altogether have a positive impact to their enterprises, for lack of knowledge and information about program chairs. They think that this program is granting or a grant from the government to business players, so that no need to returned. Not to mention the use of which do not correspond with program purposes of the funds as for the purchase of the things that is not relating to or associated with an increase in business so that the use of its not very effective.Then researchers examines whether actually this program could be to increase public welfare or not.An indicator that is worn on the basis of a variable input; the process or result of the impact and output towards the community A method of research that is used in nature and symptoms of descriptive which is describe the state of existing in the field. Life of the people, as the situation the level of public welfare before and after get programs the kur program. Samples to be taken to amount to 25 business players with the technique of the withdrawal of a non random sampling. A whole samples also is homogeny. Based on an analysis of data found field and on indicators deadline, program of chairs influential in strongly positive increasing revenue, like increasing number of employees, encroach on his business to another and the increase of saving. Based on shelter or housing, namely home tempet house meliorate as facilities mck that to be complete; renovation until having unit new result of his business. Education was also aspect explored. Judgment rendered very good for education kids them, educate them even not only in formal schools but outside school as guidance and language outside school for children their young; also savings in order to provide education as high as the high be if has grown. Health constituting the most important, because this is a factor that very support in performing business reduce their wages. Almost all respondents feel is helped his health after their business develop. They helped in nutritional good for himself and his family, for by wise health and work and their businesses can be run well. Terms health is also guaranteed by the presence of business players involved in health insurance. Medicine and medical facilities they also fulfilled formerly receiving treatment in society medicine facility, be to the hospital hanging from disease experienced