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The Indonesian government discontinued the distribution of Credit for Business or Kredit Usaha Rakyat (KUR) for 26 Regional Development Banks or Bank Pembangunan Daerah (BPD) in 2015. However, in the same year, the central government allowed BPDs to distribute KUR with two conditions: the bank had the Non-Performing Loan (NPL) below five percent and developed an online system with the insurance guarantor or reinsurance firms. The study aims to offer an implementable analysis for BPDs in proposing to become the distributors of KUR. This research generates the observation data using the purposive sampling method. Further, the study compares the changes in profitability and NPL of five BPDs before and after these banks distributed KUR using the independent t-test and paired sample t-test. The results of the study showed that BPD did not experience significant differences in NPL and profitability between before and after becoming a KUR agent.

Penyaluran kredit usaha rakyat bagi kinerja bank pembangunan daerah