Perumusan Strategi Program KUR Pada PT. Bank BRI Kanca Purwodadi

Abstract

Research with the title of Programme Strategy Formulation KUR At PT. Bank BRI Tbk. Purwodadi Branch is done because the background of the problem is not to fulfill the target of Credit Usaka Rakyat (KUR) by PT. Bank BRI Tbk. Branch Purwodadi bank as executor. The goal of this research is to develop an appropriate system for the distribution scheme People's Business Credit (KUR), namely Credit Financing schemes specifically targeted at Small Micro Medium Enterprises (SMEs) and cooperatives, which business is feasible but does not have sufficient collateral in accordance requirements established by the banking system. Distribution system through the People's Business Credit (KUR), which efficiently and effectively, it is hoped this research can contribute to improve the economy, poverty alleviation, and employment. The research object is the head of PT. Bank BRI Tbk. Branch Office Purwodadi involved in formulating policies to channel People's Business Credit (KUR). Related to the research problem, then developed the research variables in this case the Company's Performance, Strategy Formulation as an endogenous variable, Understanding of Mission, and Value Systems Management as exogenous. To test the hypothesis proposed research used Structural Equation Modelling of multivariate analysis techniques to examine the complex relationship between variables both recursive and non recursive to obtain a comprehensive picture of the overall model. The findings showed that two hypotheses Beroengaruh Positive Strategy Formulation The Performance and Positive Impact Mission Comprehension Strategy Formulation Against proved significant, whereas three other hypotheses Terhasdap Understanding Positive Impact Mission Performance, Positive Impact On The Value Management Strategy, and Value of Positive Performance Management Influential no proved significant. Strategy Formulation directly have the strongest influence on company performance than Comprehension Mission and Value Management. Indirectly through the formulation of strategies, understanding influence the performance of the Company's mission is stronger than the Value Management. Lack of understanding the purpose of KUR is reflected in the organizational structure and flow of KUR document is not a simple decision and not transparent so that demand does not allow quick KUR served.