Efektivitas Program Kredit Usaha Rakyat dalam Pengembangan Usaha Mikro Kecil dan Menengah Pegadaian Cabang Setia Budi di Kecamatan Medan Sunggal

Abstract

MSMEs have the potential to absorb labor and contribute to the economy in Indonesia. However, in the development of MSMEs, there is still a problem, namely capital. KUR is a government program aimed at MSMEs that are distributed by financial institutions so that with the presence of KUR can strengthen business capital and accelerate development of the rill sector and empower MSMEs. This is listed in the Indonesian Ministry of Economy Number 1 of 2022 Regarding the Guidelines for KUR Implementation. The purpose of this study is to find out the effectiveness of the community business credit program (KUR) in the development of MSMEs Pegadaian branch of Setia Budi in Medan Sunggal District. The research methods used in this study are qualitatively descriptive. The informants in this study consisted of Non-Pawn Manager, Account Officer, BPO KUR, Collection (collection), and MSMMEs Pegadaian Setia Budi Branch. Data collection techniques used by interviews, observations, and library studies. Data analysis techniques include data reduction, data presentation, and conclusion withdrawal. This study used an effectiveness indicator according to Sutrisno (2007) which is program understanding. Right on target, right on time, achieved program goals, and real change. The results of the research on the Effectiveness of the People's Business Credit Program (KUR) in the Development of MSMM Pegadaian Branch Setia Budi show that the program has not been effective as expected, It is seen from Understanding the Program that it should be considered in socializing the KUR program that needs to be considered, not only MSMEs knowledge of KUR procedures at Pegadaian branch of Setia Budi but also MSMEs knowledge of KUR program. Then from the right target, it is still found that the distribution of KUR was absorbed not for the productive business sector. Then, the purpose of the program was achieved, namely the KUR program at Pegadaian branch of Setia Budi only able to solve the capital problems faced by MSMEs without being followed by business development and income improvement. And in terms of real changes, there has not been an increase in the level of life of MSMEs and other forms of change. In business development, MSMEs are also difficult to experience business development. Of the several MSMEs selected in this study, only one of the MSMEs that carried out business development is seen from the increase in income and expansion of businesses that will be planned in the near future. Other MSMEs have not experienced significant development, some MSMEs still survive but have not experienced business development. Then there was still a stuck credit MSMEs and found that MSMEs were not running after obtaining KUR due to a mistake in planning business development strategies