PELAKSANAAN PEMBERIAN KREDIT USAHA RAKYAT SKALA MIKRO PADA BANK TABUNGAN NEGARA CABANG SURABAYA

Development of the Indonesian economy is basically derived from their business activities by various circles of society. One of those activities is the small and medium micro enterprises (SMEs). Based on its development, SMEs are very influential on economic growth in Indonesia. Seeing the rapid development of SMEs, the government with fiscal policy seeks to provide capital to SMEs stimulus to support its business activities. Credit (KUR) is one of the government programs that are considered to address the problem of capital for SMEs. Government gives access to small loans, or commonly known as the KUR through banking institutions which at this point is a good role. With the government programs related to business credit, providing benefits for SMEs, SMEs in the benefits derived KUR is an increase in business activity, the use of labor and welfare. Almost all respondents revealed after obtaining KUR increased business activities. Similarly, the development of assets and turnover also increased. Keyword : small loans, SMEs, Business Credi