Dinamika Kebijakan Program Kredit Usaha Rakyat (KUR) di Indonesia

This study aims to: 1 ) analyze the development of regulations, governance and the Kredit Usaha Rakyat scheme; 2 ) analyze s interest subsidy policies in the Kredit Usaha Rakyat Program; and 3) analyze the development and performance of the distribution of the Kredit Usaha Rakyat Program . This type of research used associative descriptive research with research indicators are regulations, interest rates, realization and debtors on the distribution of the Kredit Usaha Rakyat Program . The research period is conducted from 2008 to 2019 with observations on banks channeling Kredit Usaha Rakyat Program . The results of the study explained that during the period 2008 to 2019 there were 37 regulations governing the governance of the Kredit Usaha Rakyat Program, there was a change in management from a credit guarantee scheme to an interest subsidy scheme that had an impact on reducing interest rates, increasing the realization of the distribution and debtors of the Kredit Usaha Rakyat. https://doi.org/10.26905/jmdk.v8i1.4247