PERAN PENYALURAN DANA KUR SYARIAH PADA PENGEMBANGAN USAHA MIKRO KECIL DAN MENENGAH (UMKM DI KEC.KUANTAN SINGINGI(STUDI KASUS DI PEGADAIAN UPC SEI JERING)

Abstract

The purpose of this study is to determine the role of KUR Syariah Pegadaian fund distribution in the development of MSMEs in Central Kuantan District This type of research is field research with a qualitative approach carried out in descriptive analysis. The location of the research was conducted at Pegadaian Upc Sei Jering and customers of MSME actors receiving KUR Syariah at Pegadaian Upc Sei Jering. With data sources that are divided into two, namely, primary data sources and secondary data. Data collection methods include observation, interviews and documentation. The population of this study amounted to 9766 MSMEs and the sample of researchers amounted to 48 customers. Sampling is carried out by puposive sampling (non-random) method of direct interviews to business actors who utilize credit from Pegadaian.

The results showed that the distribution of People's Business Credit Funds has contributed to the development of MSMEs, as evidenced by 48 customers who have played a role, helping customers who need capital for their business has been fulfilled. And the impact after being given additional capital, businesses owned by 48 customers as many as 35 customers experienced an increase in profits, this was also evidenced by the smooth return of KUR funds that had been borrowed. And 13 other customers did not experience an increase in profit turnover that was not high with an average percentage increase of less than 30%, but their business remained stable. Keywords : Influence, Cooperative Loans, MSME Income