PERAN APLIKASI I-KURMA DALAM MENUNJANG EFEKTIVITAS PENYALURAN PEMBIAYAAN KUR MIKRO (Studi Pada BRI Syariah KCP Kepanjen)

Rahmat Ramadan (NIM 201710510311135). The Role Of I-Kurma Application In Supporting Micro Kurma Financing Distribution (Study at Bri Syariah KCP Kepanjen). Sharia Economics Study Program, Faculty of Islamic Religion, University of Muhammadiyah Malang. Supervisor (I) Muslikhati, S.E, M.E (II) Atut Frida Agustin, S.E, M.E. Micro, Small and Medium Enterprises are one of the spearheads of the country's economy. The existence of the People's Business Credit program by the government carried out by banks is expected to be able to support the development of UMKM. Based on the times, towards the digitalization era, the BRI sharia bank launched the i-Kurma application to support the disbursement of KUR financing. This research is a research that uses a qualitative analysis method with a case study approach. By using interview and observation data collection. The purpose of this study was to see the effectiveness of the i-Kurma application in supporting the financing and benefits of Micro People's Business Credit (KUR) with a murabahah contract at BRI Syariah KCP Kepanjen. The results showed that the presence of the i-Kurma application was able to accelerate the work on disbursement of KUR financing and was able to increase the productivity of account officers, reduce the occurrence of problematic financing and increase bank profitability. After receiving KUR financing, customers are able to develop their business and avoid a working capital crisis