Keterkaitan Efisiensi Kredit Usaha Rakyat (KUR) dengan  Topografi Wilayah di Kabupaten Pati, Provinsi Jawa Tengah

Farida Farida; Nur Wahyuni; Ida Zulfida

doi:10.29244/jp2wd.2019.3.2.117-130

Farida Farida Fakultas Ekonomi dan Bisnis, Universitas Persada Indonesia (YAI), Jalan Diponegoro Nomor 74 Jakarta Pusat 10320
Nur Wahyuni Fakultas Ekonomi dan Bisnis, Universitas Persada Indonesia (YAI), Jalan Diponegoro Nomor 74 Jakarta Pusat 10320
Ida Zulfida Program Studi Agroteknologi, Kampus UPMI Medan, Jalan Teladan Nomor 15 Medan 20214

DOI: https://doi.org/10.29244/jp2wd.2019.3.2.117-130

Keywords: efficiency, microfinance, regional economic activity, topography, KUR

Abstract

Exogenous factors such as topography of the region are often overlooked in determining the pattern of economic activity. In fact, the geographical surface contributes to the spatial distribution of varied economic activities. The purpose of this study was to see the linkage between the efficiency of the disbursement of People’s Business Credit (KUR) program and the topography of the region in Pati Regency-Central Java. The research method is descriptive qualitative by overlaying the efficiency level of 35 KUR channeling banks with polygon maps of each subdistrict in Pati regency. Data on the efficiency level of unit banks are secondary data of each bank unit which has been calculated with Data Envelopment Analysis (DEA) application. Is it dicovered that unit banks are very inefficient at topographies bordered with arid limestone mountains or along rivers that often overflows. As a result, economic activity is not optimal and the disbursement of KUR is not efficient at the area. On the contrary, at topographies in the lowlands, the trade, agriculture, and fisheries sectors are advanced, population is large, economic activities are fast, thus encourage efficient credit disbursement.

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