PENGARUH EFEKTIVITAS DAN EFISIENSI PENYALURAN KREDIT USAHA RAKYAT (KUR) BSI TERHADAP PENGEMBANGAN USAHA MIKRO KECIL DAN MENENGAH (UMKM) DI BANK SYARIAH INDONESIA DI BSI KCP MUARA BULIAN
DOI:
https://doi.org/10.61722/jaem.v2i2.4731Keywords:
Effectiveness, Efficiency, MSME DevelopmentAbstract
The research in this thesis is motivated by Bank Syariah Indonesia (BSI) effectiveness and efficiency in distributing KUR applying sharia principles is expected to provide convenience for MSMEs, especially Muslims. It is expected that the contribution of BSI KCP Muara Bulian in increasing the effectiveness and efficiency of KUR distribution, so as to have a greater impact on the development of MSMEs in the region. The research method used is a quantitative method with a survey approach. The population used in this study were MSMEs using KUR in 2022-2023 at BSI KCP Muara Bulian using the Slovin formula, a sample of 75 respondents was obtained, 25 respondents for the trial and 50 were used as a test of the research instrument. The data collection techniques used by the researcher were Observation, Interviews and Questionnaires. The data obtained in this study were analyzed using multiple linear regression analysis with the SPSS version 20 program.
References
Abdul Wahid Mongkito, (2021). “Impelmetasi Pembiayaan Kredit Usha Rakyat (KUR) Mikro Syariah Dalam Pengembangan Usaha Mikro”, Robust-Research Business and Economics Studiesl, 1(2), 92.
Maskarto Lucky Nara Rosmadi, (2023). “Analisi Faktor – Faktor penunjang Pengembangan usaha mikro kecil dan menengah (UMKM)”, Jurnal Ekonomi Syariah, 1(2), 123.
Mohd Winario, et.al., (2020). “Analisis Penerapan Pembiayaan Akad Murabahah Bank Rakyat Indonesia Syariah (BRI) Syariah PekanBaru,” Jurnal Indonesian Interdisciplinary Journal Of Sharia Economics, 2 (1), 16.
Muhammad Basri dan Rosfiah Arsal, (2022). “Pengaruh Efektivitas dan Efisiensi Kerja Pegawai Terhadap Kinerja Organisasi Dinas Sosial Kota Kendari”, Journal Publicuho, 1 (1),1129.
Nanang Suparman, Ghina Washillah dan Tedi Juana, (2022). “Efektivitas Penyaluran Bantuan Langsung Tunai Dana Desa Bagi Masyaraka Miskin Terdampak Covid-19”, Jurnal Ilmu Sosial, 2(2), 48.
Putri Pithaloka Kennedy, Juliana Juliana dan Suci Aprilliani Utami, (2020). “Eefektivitas penyaluran pembiayaan KPR syariah bersubsudi pada pada PT. Bank BTN syariah Cirebon”, Jurnal Ekonomi, Keuangan, Perbankan dan Akuntansi, 2(1), 212.
Sudianto, et al., (2022). “Implementasi Akad Murabahah Pada Pembiayaan Kredit Usaha Rakyat / KUR (Bank Syariah Indonesia Di KCP Trunojoyo 2 Kabupaten Sumenep),” Jurnal Of Islamic Economic Business, 2(1), 65-82.
Suginam, Sri Rahayu,dan Elvitrianim Purba, (2021). “Efektivitas Penyaluran KUR (Kredit Usaha Rakyat) Untuk Pengembangan UMKM, Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS)”, Jurnal Ekonomi Islam, 1( 3), 21.
Tulus T.H. Tambunan, UMKM di Indonesia (Bogor : Ghalia Indonesia, 2019), hal.16-19
Yudi cahyadi dan Nola Windirah, (2021). “Efektivitas Program KUR Mikro Untuk UMKM di Bank Rakyat Indonesia (persero) Tbk Unit Bangkahulu,” Jurnal Agristan, 1(2), 56.
