ANALISIS PELAKSANAAN KREDIT USAHA RAKYAT (KUR) PADA BANK SYARIAH MANDIRI KANTOR CABANG PEMBANTU NUSANTARA DEPOK

Abstract

General problem of small-scale enterprises (SME) is small amount of capital in developing business. SME are difficult to access banks because banks imposed several requirements before giving a fund for SME. Government made special efforts to give access to SME through Kredit Usaha Rakyat (KUR) or Credit Program for SME. In this article, to investigate and to analyse the KUR implemented  by Bank Syariah Mandiri (BSM). The results of this article show that the characteristics of KUR’s  receiver  are 57. 5 % Male, 77 % Traders, 51 % Have finished High School and 67 % income more than Rp 2 million. Furthermore, there are several factors which influence KUR’s receiver , namely, information of KUR, procedur to get fund of KUR, perception of peoples related to KUR’s program, transaction costs of KUR in getting fund and understanding receivers of KUR about shariah principles in Bank Syariah Mandiri (BSM)