Analisis Penyaluran Kredit Usaha Kecil (KUK) pada Bank Umum di Sumatera Utara
Robert Oceanto Manalu
Drs. Sahat Silaen, Msi.
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Abstrak (English) ABSTRACT Bank is one of financial institution which support and regulate the national economic by its function, as an intermediary institution. By lending a credit to small scale business, the bank more optimalize the intermediatory function, where its existention has been proved the strength when Indonesia is being in economic crisis in 1997. It also give a contribution to the Gross Domestic Product (GOP) at 40% and reserve many of intensive laborers. By multiple linier regression model using Ordinary Least Square (OLS) method in order to analyze credit development of small scale business at commercial bank in North Sumatera with the number of small entrepreneurs, interest rate of credit and quality of credit (Non Performing Loan/NPL) as independent variable. So IVe can get a positive and significant effect from the independent variable lor small scale business development. In fact. small scale business still face other factors which obstruct its development either internally and externally even though there arc several of government policies in central bank which is handed down to the commercial banking. However, it needs a high responsibility and discipline from small scale business to submit an appeal in the form of supplying financial and technical to perform its activities. So that, harmonization between small scale business and commercial banking will be emerged latcr to move real sector to increase production and national income.
- SP - Economic Development