Nasution, Hermayanda (2025) EFEKTIVITAS PENYALURAN KREDIT USAHA RAKYAT MIKRO BAGI PENGEMBANGAN UMKM PADA PT. BANK TABUNGAN NEGARA (PERSERO) TBK CABANGKARAWACI TANGERANG. D3 thesis, UNIVERSITAS SULTAN AGENG TIRTAYASA.
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Abstract
This study aims to determine the ef ectiveness of the distribution of MicroPeople's Business Credit (KUR) on the development of Micro, Small, MediumEnterprises (UMKM) at PT. Bank Tabungan Negara (Persero) Tbk Karawaci Tangerang Branch. The method used is a qualitative approach withdatacollection through observation, interviews, documentation, and literature studies. The results of the study indicate that the distribution of BTN KUR is quite ef ectivein increasing the capacity of UMKM businesses, with indicators of targets, accuracy of credit amounts, and accuracy of procedures. However, there are still several obstacles in the credit application process, especially related tothecompleteness of documents and the debtor's understanding of banking procedures. The solution that can be applied is to improve financial education for UMKMactors and simplify the administrative process.
| Item Type: | Thesis (D3) | |||||||||
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| Additional Information: | Pada penelitian ini bertujuan untuk mengetahui efektivitas penyaluranKredit Usaha Rakyat (KUR) Mikro terhadap pengembangan Usaha Mikro, Kecil, Menengah (UMKM) pada PT. Bank Tabungan Negara (Persero) Tbk CabangKarawaci Tangerang. Metode yang digunakan adalah pendekatan kualitatif dengan pengumpulan data melalui observasi, wawancara, dokumentasi, danstudi pustaka. Hasil penelitian menunjukkan bahwa penyaluran KUR BTNcukupefektif dalam meningkatkan kapasitas usaha UMKM, dengan indikator terdapat sasaran, ketepatan jumlah kredit, serta ketepatan prosedur. Meskipun demikian, masih terdapat beberapa kendala dalam proses pengajuan kredit, teruatama terkait kelengkapan dokumen dan pemahaman debitur terhadap prosedur perbankan. Solusi yang dapat diterapkan adalah peningkatan edukasi keuangan bagi pelakuUMKM serta penyederhanaan proses administratif. | |||||||||
| Uncontrolled Keywords: | Ef ectiveness, People's Business Credit, UMKM Efektivitas, Kredit Usaha Rakyat, UMKM | |||||||||
| Subjects: | H Social Sciences > HG Finance | |||||||||
| Divisions: | 05-Fakultas Ekonomi dan Bisnis 05-Fakultas Ekonomi dan Bisnis > 61406-Program Diploma III Keuangan Perbankan |
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| Depositing User: | Unnamed user with email [email protected] | |||||||||
| Date Deposited: | 20 Aug 2025 07:11 | |||||||||
| Last Modified: | 20 Aug 2025 07:11 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/52277 |
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