PENGARUH KREDIT USAHA RAKYAT TERHADAP PENINGKATAN PROFIT USAHA MIKRO PADA NASABAH PT. BANK RAKYAT INDONESIA (PERSERO) TBK UNIT SAMARINDA SEBERANG

Abstract

This study aims to find out the effectiveness of People's Business Credit (KUR) on increasing micro-business profits on customers of Bank Rakyat Indonesia Unit Samarinda Seberang. Assessment of the effectiveness of the use of funds, the amount of credit, credit  burden, and procedures based on customer assessment.

Researchers used four aspects to see changes in the development of Micro, Small and Medium Enterprises (MSMEs) which are KUR customers at PT. Bank Rakyat Indonesia (Persero) Tbk Samarinda Seberang Unit, namely, the effectiveness of the use of KUR  funds on businesses that were properly allocated to develop the customer's business, the amount of credit received by the customer was in accordance with the application and sufficient for business needs, the credit burden which included principal installments. and credit interest has been agreed upon by the Bank and the Customer and agreed by the Customer, then the procedure for granting credit has been fulfilled by the customer to the Bank based on the theory of banking and credit which the researcher will describe in this thesis.

This research uses quantitative methods. The population of this study are the customers of BRI Unit Samarinda Seberang who uses the People's Business Credit (KUR) program which are 787 people. The samples were taken by 201 people with the Krejcie Morgan method. Data collection techniques using questionnaires. Using multiple linear regressions as data analysis techniques.

The results showed that the accuracy of the use of funds had a significant positive effect on increasing the profit of micro businesses. The accuracy of the amount of credit has a significant positive effect on increasing the profit of micro-enterprises. The accuracy of the credit load has a significant positive effect on increasing the profit of micro-enterprises. The accuracy of the procedure has a significant positive effect on increasing the profit of micro-enterprises. The accuracy of the use of funds, the amount of credit, credit burden, and procedures simultaneously have a significant positive effect on increasing the profit of micro-enterprise.