ANALISIS KREDIT USAHA RAKYAT PADA BANK RAKYAT INDONESIA

This study aims to analyze the procedure for granting people's business credit (KUR) to Bank Rakyat Indonesia (BRI). The research method used in this study is a qualitative method with a type of descriptive research. The data obtained in this study uses research instruments, namely through observation, in-depth interviews, and documentation studies. Interviews were conducted with the Micro and Small Director of Bank BRI, debtor representatives and prospective debtors, as well as Bank Indonesia Representative Credit Section Bandung. Data collected from several sources carried out credibility testing with data triangulation — data analysis techniques used with data reduction, data presentation, and conclusions. The results of the study indicate that the implementation of the provision of people's business loans to Bank BRI through several stages, namely the stages of credit administration, credit documentation, credit approval, credit processing. The level of Non-Performing Loans (NPL) of BRI KUR shows a fairly large number of 2.31%, but among other KUR executing banks BRI's NPL is the smallest. The high level of NPL is because there are several factors, including: (1) wrong perceptions among Micro, Small and Medium Enterprises (MSME) actors regarding the source of funds in KUR distribution; (2) changes in the character of the debtor; and (3) the account officer section conducts a subjective analysis because there are certain relationships with prospective debtors Penelitian ini bertujuan untuk menganalisis prosedur pemberian kredit usaha rakyat (KUR) pada Bank Rakyat Indonesia (BRI). Metode penelitian yang digunakan dalam penelitian ini adalah metode kualitatif dengan jenis penelitian deskriptif. Data yang diperoleh pada penelitian ini menggunakan instrumen penelitian yaitu melalui observasi, wawancara mendalam dan studi dokumentasi. Wawancara dilakukan dengan Direktur Mikro dan Kecil Bank BRI, perwakilan debitur dan calon debitur, serta Bagian kredit Bank Indonesia Perwakilan Bandung. Data yang terkumpul dari beberapa sumber dilakukan pengujian kredibilitas dengan triangulasi data. Teknik analisis data yang digunakan dengan reduksi data, penyajian data, dan kesimpulan. Hasil penelitian menunjukkan bahwa pelaksanaan pemberian kredit usaha rakyat pada Bank BRI melalui beberapa tahapan yaitu tahap credit administration, credit documentation, credit approval, credit processing. Tingkat Non Performing Loan (NPL) KUR BRI memperlihatkan angka yang cukup besar yaitu 2,31%, tetapi diantara bank pelaksana KUR yang lainnya NPL Bank BRI yang paling kecil. Tingginya tingkat NPL dikarenakan adalah ada beberapa faktor, antara lain: (1) persepsi yang salah dikalangan pelaku Usaha Mikro Kecil dan Menengah (UMKM) mengenai sumber dana dalam penyaluran KUR; (2) adanya perubahan karakter debitur; dan (3)  bagian account officer melakukan analisis secara subjektif karena ada hubungan tertentu dengan calon debitur.