KUR is a program initiated by the government but the funding comes entirely from bank funds. The government provides guarantees against the risk of KUR by 70%, while the remaining 30% is borne by the executing bank. The majority of micro-entrepreneurs in Indonesia has a background in economics, which is the main reason for doing these activities is to obtain the fixed income. This initiative shows that entrepreneurs seek income to meet the needs of everyday family life.
Keywords: KUR; UMKM; Bank; Business; Loan
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