ANALISA FAKTOR-FAKTOR YANG MEMPENGARUHI KELANCARAN PENGEMBALIAN KREDIT USAHA RAKYAT (KUR) MIKRO: Studi Kasus pada PT Bank BRI (Persero) Tbk Unit Lenteng Agung, Cabang Jakarta, Pasar Minggu

Abstract

Kredit Usaha Rakyat is the financing for Micro, Medium Enterprises and Cooperatives (UMKM-K) in the form of giving work capital supported by guarantee facility for productive enterprises. BRI is one of the commercial banks besides conventional banks such as BNI, BTN, Bank Mandiri, Bukopin, Bank Syariah Mandiri trusted by the government to deliver the Kredit Usaha Rakyat. Phenomena that occur is, through the KUR, the debtor does not need to provide collateral to the bank because this loan is loan without collateral and its guaranteed by the government. That does not mean if the KUR program has been paid by the government, the program can run smoothly and in accordance with the desired expectations. Of course, various risks began to emerge; one of them is the fluency return of the Kredit Usaha Rakyat (KUR) by a debtor resulting increas of bank’s NPL. The study was done in PT Bank BRI Unit Lenteng Agung branch of Jakarta, Pasar Minggu in July 2014. The percentage of NPL KUR Micro BRI Unit Lenteng Agung decreased in the month of july 2014 compared to previous months. Achievement should be incresed and maintained until the NPL reached the lowest point. The aims of this study is to analyze factors that affect fluency return of KUR Micro in order to maintain and improve that’s performance. Processing of the data is using qualitative analysis and quantitative analysis using logistic regression. In the multivariate analysis of the five independent variabels