MASALAH DAN TANTANGAN IMPLEMENTASI PROGRAM KREDIT USAHA RAKYAT DI PROPINSI SULAWESI SELATAN DAN JAWA TENGAH

Abstract

Loans for small scale industries (KUR) is a government policy to help people in the region develop their small scale industries or businesses in Indonesia, include in the provinces of South Sulawesi and Central Java. In this case, the KUR management there are condusted by banks appointed by the central government. Findings of this research shows that the implementation of KUR policy in the two provinces is hampering problems in determining criteria of industries or business which deservesfor the loans, as well as their productivity, and also capability to develop their businesses and market network, and so forth. The research was conducted by adopting a qualitative approach, using a descriptive-analitycal method. South Sulawesi ande Central Java provinces have been purposively chosen as samples. The findings more spesifically show that criteria made by the appointed banks is a main constraint for small scale industries’ access to KUR, and if they will confront higher risks and uncertainties, their access to it would be more difficult. Apart from this, their ability to deal with financial matters, which is still not well, which will implicate their ability to return the KUR they received has been also considered and constrained their acces to it.