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primary topic: http://digilib.unila.ac.id/id/eprint/11248

http://digilib.unila.ac.id/id/eprint/11248
type: AcademicArticle
type: Article
abstract: ABSTRAK PENGARUH IMPLEMENTASI KEBIJAKAN KREDIT USAHA RAKYAT (KUR) TERHADAP PEMBERDAYAAN USAHA MIKRO, KECIL, DAN MENENGAH (UMKM) (Studi pada Bank BRI Unit Bambu Kuning Tahun 2011) Oleh NURUL QHALIFAH Implementasi kebijakan adalah langkah terpenting dalam proses kebijakan. Tanpa implementasi kebijakan, sebuah kebijakan hanyalah sebuah dokumen yang tidak bermakna. Kebijakan Kredit Usaha Rakyat (KUR) merupakan sebuah kebijakan yang bertujuan untuk memberdayakan Usaha Mikro, Kecil, dan Menengah (UMKM). Tujuan penelitian ini adalah untuk mengetahui pengaruh implementasi kebijakan KUR terhadap pemberdayaan UMKM. Teknik analisis data menggunakan regresi linier sederhana. Berdasarkan hasil penelitian diperoleh korelasi antara implementasi kebijakan KUR dan Pemberdayaan UMKM ialah 0,451 dan R2=0,203 artinya besarnya pengaruh implementasi kebijakan KUR terhadap pemberdayaan UMKM adalah 20,3% sedangkan sisanya 79,7% dipengaruhi oleh faktor lain di luar penelitian ini. Analisis selanjutnya dalam penelitian ini didapat persamaan regresinya adalah: Y=11,651+0,345X+8,396=20,392X. Artinya untuk meningkatkan 1 nilai Y (pemberdayaan UMKM) maka X (implementasi kebijakan KUR) harus ditingkatkan sebesar 20,392, tanda positif pada angka koefisien regresi menunjukkan arah hubungan yang searah. Berdasarkan uji hipotesis menggunakan uji t dan uji F menyatakan bahwa implementasi kebijakan KUR berpengaruh signifikan terhadap pemberdayaan UMKM. Diharapkan hasil penelitian ini dapat digunakan sebagai informasi dan referensi untuk pemerintah dan pihak bank pelaksana dalam meningkatkan kebijakan KUR dan memberdayakan UMKM. Saran supaya pemerintah terus melanjutkan kebijakan KUR dengan memberikan subsidi untuk bunga KUR, meningkatkan pelayanan KUR, dan memberikan pendampingan pada UMKM debitur KUR untuk mengembangkan usahanya. Kata kunci: Implementasi Kebijakan, KUR, Pemberdayaan, dan UMKM. ABSTRACT THE INFLUENCE OF IMPLEMENTATION OF PEOPLES ENTREPRENEURS CREDIT (KUR) POLICY TOWARDS MICRO, SMALL, A…
date: 2012-10-16
status: peerReviewed
status: published
author list: authors
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primary topic: http://digilib.unila.ac.id/id/eprint/11248