STRATEGI PENINGKATAN PENYALURAN KREDIT BAGI UMKM PADA PD. BPR NTB MATARAM CABANG SETELUK KABUPATEN SUMBAWA BARAT

Abstract

The purpose of this study was to analyze the Strategy for Increasing Credit
Distribution for MSMEs in PD. BPR NTB Mataram Seteluk Branch, West
Sumbawa Regency. The method used in this study is a qualitative research
using SWOT analysis (Strength, Weakness, Opportunity, Threats), where the
research begins by collecting data from informants and then analyzing it in a
SWOT Matrix chart. Based on the results of the SWOT analysis in the study,
PD. BPR NTB Mataram Seteluk Branch, West Sumbawa Regency has shown
ease in applying for credit, setting low MSME loan interest rates and has
developed a people's business credit program (KUR) as a strategy that has
been carried out.
Furthermore, to expand customers, especially MSMEs by using the company's
effective resources in increasing credit applications for MSMEs, it is expected to
be able to find other financial sources. By promoting credit interest in terms of
product marketing and trying to limit market competition as little as possible and
develop new products that are more affordable. effective and increase new
MSME opportunities in Seteluk District, West Sumbawa Regency.