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

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.

Revitalization of the Earth's Alms Tradition With Islamic Rituals in the Digital Era

“…Administratively, the Tlogowungu district consists of only 15 villages divided into 70 Community Pillars and 318 Neighbourhoods. Compared to other subdistricts in Pati Regency, Tlogowungu district, along with Gunungwungkal district is the district with the fourth least number of villages after Gembong district, Dukuhseti district and Cluwak district (Farida, Wahyuni, & Zulfida, 2019).…”

Klasterisasi Bank-Bank Unit Penyalur Kur Berbasis Kinerja Keuangan Menggunakan Principal Component Biplot

“…Pencapaian kinerja bank-bank unit BRI dalam satu kecamatan atau satu kabupaten berbeda ditentukan oleh banyak faktor. Bahkan faktor alam atau topografi wilayah pun bisa mempengaruhi kinerja bank-bank unit tersebut (Farida et al, 2019). BRI unit yang berada di wilayah topografi yang sulit seperti daerah gersang, maupun daerah yang rentan banjir akan memiliki kinerja yang kurang efisien dibandingkan bank unit yang berada di wilayah subur dan daerah yang ramai.…”