
ERAN BPR JATIM DALAM PENINGKATAN PENDAPATAN UMKM DI KOTA SURABAYA GUNA MENCAPAI VISI MISI GUBERNUR JATIM
Author(s) -
Vicky Indarto Setyono,
Tri Ratnawati
Publication year - 2020
Language(s) - English
Resource type - Journals
ISSN - 2775-7935
DOI - 10.30996/die.v11i02.4125
Subject(s) - business , business process reengineering , java , business administration , capital (architecture) , marketing , computer science , geography , lean manufacturing , programming language , archaeology
BPR Jatim is a bank owned by the East Java Provincial Government and Regency / City
Governments throughout East Java. In its role as an intermediary institution and
supporting government programs, BPR East Java always strives to increase credit
distribution to the real sector, especially micro, small and medium enterprises by offering
products tailored to customer needs. This is done because there are still many MSMEs in
the city of Surabaya who are experiencing capital difficulties. The limited capital owned
by MSMEs will affect the development of MSMEs. BPR Jatim Kota Surabaya has 1,977
customers. This study aims to analyze the role of BPR East Java in increasing the income
of MSMEs in the city of Surabaya. The method used in this research is descriptive
qualitative. Data were collected using interview, observation and documentation
methods. The subjects in this study were customers and employees of BPR Jatim. Then
the object is the role of the East Java BPR. The results showed that the East Java BPR
plays a very important role in the development of MSMEs in the city of Surabaya. BPR
Jatim offers various types of credit products tailored to customer needs. Among the
existing types of credit, 70% of East Java BPR customers take special loans. BPR Jatim
also provides convenience in terms and procedures for applying for credit and provides
the best service for its customers. East Java BPR customers have increased every month.
All informants said that their business had developed after receiving credit from the East
Java BPR. This development is indicated by an increase in income, additional workforce
and more advanced business units.
Keywords: East Java BPR, Income, UMKM