Ike Kusdyah Rachmawati_abstract_1612012

FAKTOR PENENTU KEBERHASILAN PROGRAM
KREDIT USAHA RAKYAT TERHADAP PENINGKATAN AKSES 
PERMODALAN DI PROPINSI JAWA TIMUR


Ike Kusdyah Rachmawati
STIE Asia Malang
Jl. Soekarno Hatta – Rembuksari No.1A Malang, 65141 

Korespondensi dengan Penulis:
Ike Kusdyah Rachmawati: Telp./Fax. +62 341 478 877
E-mail: kusdyah_ike@yahoo.com 

Abstract

This study aimed to analyze the critical success factors program people’s business credit against increasing capital access in East Java. It used qualitative and quantitative approaches and it used descriptive analysis that analyzed the contribution program assistance to micro and small groups and various internal and external constraints, and used Analytic Hierarchy Process (AHP) to determine the priority level of the factors that affected the Kredit Usaha Rakyat (KUR). Sample of this study was the banking, micro business, small business, business and service / technical institutions in East Java. The research was done in the 3 (three) districts which were Sidoarjo regency, Malang and Surabaya. Based on the results of the AHP, access to services and KUR performance could be improved by considering some factors and sub factors that influenced it, among others: candidate’s prospects debtor, office of technical capacity, policy and resources banking, and macro factors. Macro factors were factors that should always be monitored. The responsible party for this macro was a BI factor as the banking authorities.

Key words: financial inclusion, credit, small management enterprise (SMEs).

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