DINAMIKA PERKEMBANGAN UMKM PENERIMA KREDIT USAHA RAKYAT BINAAN UNIT USAHA MIKRO BANK KALBAR

This research aims to determine: (a) distribution of KUR (b) increase in income (c) Business Development of MSMEs Recipients of KUR Assisted by the Micro Business Unit of Bank Kalbar. The method used in this research is qualitative with case studies. The informants in this research consisted of 9 MSMEs and 1 person from a West Kalimantan bank. Data collection techniques interviews and documentation. The data analysis technique is carried out in 3 stages, namely data reduction, data presentation, and drawing conclusions. The results of this research show 1) the distribution of KUR to MSMEs is carried out in accordance with the rules for distributing KUR to the public, such as the amount of collateral in accordance with the amount lent, there is no bad credit, although there are delays in payment, but not to the limit determined by the bank.2) there is an increase in income after receiving KUR, the net income obtained after receiving KUR is average >3,500,000/month in the very high income category.3)MSME development occurs after receiving KUR from Bank Kalbar, the level of development is based on the type of MSME the higher the type of MSME being run, the higher the level of development.