APAKAH TERDAPAT HUBUNGAN SIGNIFIKAN ANTARA PENYALURAN KUR DAN PERTUMBUHAN KREDIT UMKM PADA REGIONAL JAWA?

Authors

  • Ahmad Rifai Pusat Pendidikan dan Pelatihan Pajak, Badan Pendidikan dan Pelatihan Keuangan
  • Muhammad Hafizh Ridha Badan Pendidikan dan Pelatihan Keuangan, Kementerian Keuangan
  • Ninggar Resti Cahyani Pusat Pendidikan dan Pelatihan Pajak, Badan Pendidikan dan Pelatihan Keuangan

DOI:

https://doi.org/10.31092/jia.v8i2.3077

Abstract

People's Business Credit (KUR) is the main policy instrument in supporting Micro, Small, and Medium Enterprises (MSMEs) in Indonesia where MSMEs have an important impact on economic growth and reducing regional disparities. This study aims to investigate the relationship between KUR distribution and MSME credit growth in the Java region in Indonesia. This study was conducted by collecting secondary data, historical data on KUR distribution, MSME credit growth data, and regional economic data for the period 2015 to 2022. Regression analysis and other statistical techniques were used to identify the relationship. The results of this study indicate that KUR distribution is not related to MSME credit growth in the Java region, while commercial credit is positively related to MSME credit growth in the Java region. The results of this study have significant policy implications where the government needs to emphasize a region-focused approach in designing KUR distribution policies to support sustainable MSME credit growth in Indonesia.

Downloads

Published

2024-11-26

Issue

Vol. 8 No. 2 (2024): Edisi November 2024

Section

Articles

License

Creative Commons License

This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

Authors who publish with this journal agree to the following terms:

  1. Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a CC BY-SA Creative Commons Attribution-ShareAlike 4.0 International License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
  2. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
  3. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.