The Implementation of Kredit Usaha Rakyat Granting on Market Traders Who Are the Customers of Bank Rakyat Indonesia in Tawangalun Banyuwangi

Abstract

The role of banks in economic development is facilitating funds for economic activities in form of credit for the public both individual or business entity. Bank Rakyat Indonesia (BRI) is committed to help in developing the Micro, Small and Medium Enterprises as well as improving the welfare of society. A phenomenon that occurs is dealing with capital difficulties experienced by the market traders who have attracted less attention and opportunity by the banks in providing their capital. Therefore, in facing this reality, more and more traders in the market hahaves a chance to increase the turnover but difficult to grow rapidly. BRI Bank unit Tawangalun is one unit BRI branch in Tawangalun Banyuwangi in which has debtor that can be quite a lot in the distribution of Kredit Usaha Rakyat (KUR), particularly the market merchant. The results showed that the process of KUR granting to the market merchant based on the requirement of which is proposed by the study subjects. KUR granting by BRI unit Tawangalun Banyuwangi is seen in terms of capital ownership, some informants claimed to increase their capital both the stock and means to trade. KUR granting viewed from the sales turnover, the most of the informants state that it can help to increase sales turnover despite not a significant increase. Profits earned by market traders may increase after getting KUR granting.

Keywords: KUR Granting Procedure, Sales Turnover, Capital, Profit