BANK PERKREDITAN RAKYAT: TEROBOSAN STRATEGIS BAGI PENGUATAN KELEMBAGAAN DAN PEMBIAYAAN USAHA KECIL

Abstract

Capital shortage was the main problem faced by the small scale enterprises. To solve the problem, in 2013 the
government legislated the regulations no. 1 about microfinance. Rural banking or BPR was one of microfinance
programs offered the capital and other policies to improve the small scale enterprises. This paper aimed to
review the development strategy of the rural banking that supported small scale of food enterprise effectively
in the form of financing, strengthening, and partnership in South Sumatera. Survey and interview technique
were implemented to 225 samples and the data was analyzed by using both one way Anova Test and Structural
Equation Modeling. The result of analysis showed that all of the program offered by the rural banking had
supported the development of small scale enterprises. Further analysis indicated that not only proposed
research hypothesis but also the theoretical model were not rejected.