Joanna Adhani Ardyanti, . (2026) ANALISIS PERKEMBANGAN PENYALURAN KREDIT USAHA RAKYAT PADA PT BANK NEGARA INDONESIA (PERSERO) TBK. Tugas Akhir thesis, Universitas Pembangunan Nasional Veteran Jakarta.
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Abstract
Kredit Usaha Rakyat (KUR) is a government financing program designed to help mikro, kecil, and menengah (UMKM) who have productive businesses but have not fully met the requirements of conventional banking credit. PT Bank Negara Indonesia (Persero) Tbk is one of the KUR distribution banks in Indonesia. This Final Project aims to review the KUR distribution mechanism, the strategies implemented, and the development of the realization of BNI's KUR distribution during the 2021-2025 period. The writing uses a descriptive method with secondary data sources in the form of annual BNI reports and national KUR realization data from the Coordinating Ministry for Economic Affairs, which is processed through trend analysis. The results of the study show that BNI's KUR distribution has experienced two opposite phases, namely growth in the 2021-2022 period and a sustained decline since 2023. The peak of disbursement was reached in 2022 with a value of IDR 52,708 billion, driven by post-pandemic economic recovery and the implementation of cluster-based strategies and credit digitization. The enactment of the Regulation of the Coordinating Minister for Economic Affairs Number 1 of 2023 regarding the tiered interest scheme is a turning point in the downward trend, until the realization in 2025 will only reach IDR 26,258 billion. Based on the 5C credit principle framework, the decline was mainly due to the weakening of the debtor's Condition and Capacity aspects, while BNI's Capital aspect remained strong in supporting distribution operations. These findings confirm that the performance of KUR distribution is greatly influenced by the alignment between government policies, macroeconomic conditions, and the bank's internal strategy.
| Item Type: | Thesis (Tugas Akhir) |
|---|---|
| Additional Information: | [No.Panggil: 2310101064] [Pembimbing: Yoko Tristiarto] [Penguji 1: Elia Erna Nurdiani] [Penguji 2: Ratna Arista Dewi] |
| Uncontrolled Keywords: | Kredit Usaha Rakyat, KUR, Bank BNI, UMKM, 5C Principle |
| Subjects: | H Social Sciences > HG Finance H Social Sciences > HJ Public Finance L Education > L Education (General) |
| Divisions: | Fakultas Ekonomi dan Bisnis > Program Studi Perbankan dan Keuangan (DIII) Fakultas Ekonomi dan Bisnis > Program Studi Perbankan dan Keuangan (DIII) |
| Depositing User: | JOANNA ADHANI ARDYANTI |
| Date Deposited: | 27 Aug 2026 03:45 |
| Last Modified: | 27 Aug 2026 03:45 |
| URI: | http://repository.upnvj.ac.id/id/eprint/50893 |
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