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Correlation Of Kur (People's Business Credit) Towards The Development Of Micro, Small And Medium Enterprises In Medan Marelan District

Authors

Sri Surya Ningsih Management, Battuta University
Muhammad Maliki Asian Management, Battuta University
Putri Mauliza Management, Battuta University

DOI:

https://doi.org/10.47663/ibec.v2i1.138

Abstract

This study aims to analyze the relationship between People's Business Credit (KUR) and the development of Micro, Small, and Medium Enterprises (MSMEs) in Medan Marelan District. Using quantitative methods and associative approaches, this study involved 90 MSME respondents. The results of the validity test showed that all statement items in the KUR and MSME Development variables were valid with an rcount value greater than rtable (0.207). The reliability test also showed positive results with a Cronbach Alpha value of 0.903, indicating that the instrument used was consistent and reliable. The results of the study showed a very strong relationship between KUR and MSME development in Medan Marelan, with a Pearson correlation value of 0.903. This study identified that KUR is effective in supporting MSME development, especially through aspects of efficiency, effectiveness, and accuracy of targets, time, amount, and credit. This study also found that the implementation of KUR can increase the productivity and capacity of MSMEs, which ultimately contributes to local economic growth. These results support previous findings showing that the KUR program has a significant role in empowering MSMEs, helping them overcome capital constraints and increasing competitiveness. Thus, government policies through KUR are expected to continue to be strengthened to support the sustainability and development of MSMEs in Indonesia.

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Published

2023-12-06 — Updated on 2024-12-05

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How to Cite

Sri Surya Ningsih, Muhammad Maliki Asian, & Putri Mauliza. (2024). Correlation Of Kur (People’s Business Credit) Towards The Development Of Micro, Small And Medium Enterprises In Medan Marelan District. PROCEEDING INTERNATIONAL BUSINESS AND ECONOMICS CONFERENCE (IBEC), 2(1), 356–370. https://doi.org/10.47663/ibec.v2i1.138 (Original work published December 6, 2023)