Prosedur Pemberian Kredit: Studi Kasus Prosedur Pengajuan Kredit Usaha Rakyat (KUR) di Bank Sumut KC Kampung Lalang

Authors

  • Putri Suciyati Universitas Islam Negeri Sumatera Utara
  • Muhammad Habibi Siregar Universitas Islam Negeri Sumatera Utara

DOI:

https://doi.org/10.30651/jms.v10i1.25754

Abstract

Abstrak

Penelitian tentang Prosedur Pemberian Kredit: Studi Kasus Prosedur Pengajuan Kredit Usaha Rakyat (KUR) di Bank Sumut Kc Kampung Lalang dapat menjelaskan tentang bagaimana prosedur pengajuan Kredit Usaha Rakyat (KUR) diterapkan di Bank Sumut Kantor Cabang Kampung Lalang, yang bertujuan untuk membantu pelaku usaha mikro, kecil, dan menengah (UMKM) memperoleh akses permodalan. Penelitian ini mengidentifikasi tahapan-tahapan  dalam pengajuan KUR, mulai dari pengajuan oleh calon debitur, verifikasi data, penilaian kelayakan usaha, hingga persetujuan dan pencairan kredit. Selain itu, penelitian ini juga membahas kendala yang dihadapi oleh pihak bank dan calon debitur dalam proses pengajuan, serta faktor-faktor yang mempengaruhi kelancaran prosedur tersebut. Hasil dari studi ini diharapkan dapat memberikan gambaran yang jelas mengenai sistem pengajuan KUR di Bank Sumut, serta memberikan rekomendasi untuk perbaikan dalam meningkatkan efisiensi dan aksesibilitas kredit bagi UMKM.

Kata kunci: Bank Sumut, Pengajuan Kredit, UMKM

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Published

2025-02-20

How to Cite

Putri Suciyati, & Muhammad Habibi Siregar. (2025). Prosedur Pemberian Kredit: Studi Kasus Prosedur Pengajuan Kredit Usaha Rakyat (KUR) di Bank Sumut KC Kampung Lalang. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 10(1). https://doi.org/10.30651/jms.v10i1.25754

Issue

Vol. 10 No. 1 (2025)

Section

Artikel

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