This study investigates the Partial Credit Guarantee (PCG) system within the Kredit Usaha Rakyat (KUR) policy program in Indonesia, analyzing its effectiveness in enhancing access to finance for micro, small, and medium enterprises (MSMEs). The research examines the structure and implementation of the PCG system, assessing its impact on credit availability, default rates, and overall economic g…
This abstract explores the Partial Credit Guarantee System implemented within the Kredit Usaha Rakyat (KUR) policy program in Indonesia. The KUR program aims to facilitate access to credit for micro, small, and medium enterprises (MSMEs) by providing government-backed guarantees to financial institutions. This study analyzes the effectiveness and impact of the partial credit guarantee system in…
Penelitian ini menganalisis risiko fiskal terhadap kesinambungan Program Kredit Usaha Rakyat (KUR) di Indonesia. KUR merupakan salah satu inisiatif pemerintah untuk meningkatkan akses pembiayaan bagi usaha mikro, kecil, dan menengah (UMKM). Meskipun program ini telah memberikan kontribusi signifikan terhadap pertumbuhan ekonomi dan pengurangan kemiskinan, terdapat kekhawatiran mengenai keberlan…