The Role of Financing “KUR” Islamic Micro to SME In Cirebon Regency

Abstract

According to the BPS Survey 2003 and 2005 against SMES indicate problems such classics as the limitations of capital and marketing. Research is aimed to know the role and implementation of financing KUR micro sharia against SMES in the village Karangsembung, and to determine the changes of SMES in the village Karangsembung after using the funds KUR micro sharia BJB Bank Sharia Branch Office. This type of research is field research with a qualitative approach conducted with descriptive analysis. The location of the research conducted at the office of Bank BJB Sharia KCP Sources and in SMES recipient KUR Bank BJB Sharia Branch Office. With a data source that is divided into two, namely, secondary data sources primary. Data collection methods include observation, interviews and documentation. Furthermore, the collected data are described and explained clearly about the object of study in accordance with the facts in the field. After that data is analyzed and conclusions drawn. The results of this study concluded that the role of the financing Program of the People's Business Credit (KUR) to the development of MSMES in the region Karangsembung is very effective in strengthening the business capital to increase the productivity of the business in order to improve the welfare of the businesses as well as increase in the production of which has an impact on increasing the income of businesses. While in practice has several stages, namely the stage of an application for credit, stage credit analysis, the stage of granting the verdict of credit, and the credit disbursement. The influence of loan capital can affect the aspects that vary both in terms of turnover or total sales, assets, and income from operations.