ANALISIS EFEKTIVITAS PENJAMINAN KREDIT USAHA RAKYAT (KUR) PADA PT. JAMKRINDO KANTOR CABANG PAMEKASAN

The most important priority in Indonesia's development process is for the welfare of its people. Development and economic distribution are intensively carried out in this developing country with the aim of realizing the prosperity of the people evenly. In facing the economic crisis, people are competing to build and maintain their businesses, both in large and small scale. The persistence of micro, small and medium enterprises (UMKM) in the face of crises and unstable economic conditions has shown the importance of this sector in helping the national economy. Even though it is on a small scale, it cannot be denied that UMKM also make an important contribution to the national economy. Various obstacles faced by UMKM today, one of which is the lack of capital owned by UMKM entrepreneurs. Banks do not provide loans to UMKM entrepreneurs because the assets owned are insufficient capital. So to mediate this problem the government issued a credit policy program for UMKM with a loan called the people's business credit (KUR). This study aims to determine the effectiveness of public credit guarantee efforts at Perum Jamkrindo Pamekasan branch office. This research was conducted in the City of Pamekasan with data taken from public credit. The research method used is qualitative by conducting interviews with the staff of Perum Jamkrindo.