The Effectiveness of Bank BRI's People's Business Credit (KUR) in Supporting the Creative Economy in the Semarang Area

Authors

  • Gloria Putri Wuryani Universitas Semarang, Indonesia
  • Retnaningsih Retnaningsih Semarang University, Indonesia
  • Agus Mujiman Semarang University, Indonesia

Keywords:

Effectiveness, Business Growth Impact, KUR Challenges

Abstract

This study aims to determine the effectiveness of the role of KUR Bank BRI in encouraging creative economy growth in Semarang and provide useful recommendations for future policy development. This study uses a qualitative descriptive method by collecting data using questionnaires and direct interviews with respondents. The result of this study is that the BRI KUR program has a significant role in encouraging local economic growth. People's Business Credit provides easy access to capital for creative economy actors, such as businesses in the fields of culinary, fashion, art, and design, which are sectors with great potential to create added value and new jobs

References

Atin, T. D. N. (2018). The Effect of People's Business Credit (KUR) on Increasing Micro Business Profits (Case Study on Customers of Bank Rakyat Indonesia Unit Purwomartani Kalasan Sleman Yogyakarta). Journal of Education and Economics, 8(1), 10–19.

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Cigombong, K. (n.d.). KUR BRI: Supporting the Development of Creative and Innovative Businesses in Indonesia. 1–5.

Khafifah, A., Dianta, K., & Saparuddin. (2022). The Role of People's Business Credit (KUR) in the Development of Micro, Small, and Medium Enterprises (MSMEs) (Case Study on Contemporary Beverage MSMEs in the South Jakarta Area). Journal of Creative Economy and Digital Business Management, 1(1), 79–93.

Mi, N. J. (2022). People's Business Credit: Definition, Purpose, and Requirements for Application. 1–9.

My, R. M. Y. A. (2023a). Creative Economy and Creative Industry-Based Economic Growth Potential. JMEB Journal of Economic & Business Management, 1(2), 60–69. https://doi.org/10.59561/jmeb.v1i2.155.

Rahma, N. (2020). Analysis of the Role of KUR from Bank BRI in Increasing the Income of Small and Medium Enterprises (SMEs) in Bukit Agung Village, Pangkalan Kerinci. Thesis: FACULTY OF ECONOMICS, ISLAMIC UNIVERSITY.

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Published

2025-12-08

How to Cite

Wuryani, G. P., Retnaningsih, R., & Mujiman, A. (2025). The Effectiveness of Bank BRI’s People’s Business Credit (KUR) in Supporting the Creative Economy in the Semarang Area. Asian Bulletin of Digital Economics and Business, 1(2), 47–52. Retrieved from https://www.journal.uruborospublishing.com/index.php/abdeb/article/view/37

Issue

Vol. 1 No. 2: Desember 2025

Section

Articles

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Copyright (c) 2025 Gloria Putri Wuryani, Retnaningsih Retnaningsih, Agus Mujiman

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.