Analisis Penggunaan Kredit KUR Bank BRI terhadap Peningkatan Penjualan UMKM di Kecamatan Medan Amplas di Kota Medan

Abstract

This study aims to analyze the effect of the use of People's Business Credit (KUR) distributed by Bank Rakyat Indonesia (BRI) on the increase in sales of Micro, Small, and Medium Enterprises (MSMEs) in Medan Amplas District. KUR Credit is a government program that aims to help the development of MSMEs through access to low-interest financing. The main issue raised in this study is how the use of BRI KUR Credit contributes to increasing MSME sales in the region. The research method used is a qualitative approach with data collection through interviews with SME owners who receive KUR Loans and KUR Loan givers (mantri). The collected dat a was analyzed to test hypotheses about the relationship between credit usage and increased sales. The results of the study show that there is a significant influence of the use of BRI KUR Credit on increasing MSME sales. This increase can be seen from the increase in sales turnover before and after receiving credits, as well as an increase in production capacity and market reach. The conclusion of this study indicates that the BRI KUR Credit is an effective instrument in encouraging the growth of SME in Medan Amplas District. This research also provides recommendations for BRI to continue to expand the reach of KUR and increase socialization about the benefits and how to apply for credit so that more MSMEs can feel the benefits. In addition, the government is expected to continue to support this program with policies that facilitate access to financing for SME.