The Effectiveness of KUR Implementation at BPD Bali

ABSTRACT : The capital problems by UMKM are one of the reasons for the government to take a policy tocreate a KUR program. However, the policy issued by the government did not done well in 2015 due to thelarge number of bad credits, it makes government to reduce KUR that implemented by the banks. The purpose ofthis study was to examine the effectiveness of the KUR implementation at BPD Bali. The subject of this researchis BPD Bali, which is one of the banks currently implementing KUR program. Data collected from literaturestudies and interviews. The data collected were analyzed using descriptive qualitative method. The resultsshowed that the KUR in 2019 went well, where the 2 KUR programs carried out at BPD Bali, KUR Mikro andKUR Kecil, were realized 99.39%, the remaining 0.61%. So, it can be said that the KUR implementattion atBPD Bali is effective and this have a positive impact on the Bank and society.

Keywords–BPD Bali, KUR, UMKM