Analysis of Weaknesses in the Supervision of People'sBusiness Credit (KUR) Distribution in Indonesia
Keywords:
KUR Supervision, Microcredit, MSMEs, Governance, Distribution IrregularitiesAbstract
The People's Business Credit (KUR) program was designed to provide easily accessible capital
support for small businesses, but its implementation has revealed discrepancies between the
program's objectives and actual practices in various regions. This study aims to critically
examine how weaknesses in supervision arise in the KUR distribution process and to explore the
factors that prevent standard procedures from being implemented as expected. The study was
conducted using a qualitative approach through a review of policy documents, official reports,
and scientific literature discussing the dynamics of national microfinance implementation. The
analysis process combined a normative reading of the oversight design with empirical findings
related to patterns of deviation occurring at the operational level. The results of the study show
that although the oversight system has been developed with fairly detailed rules, its
implementation is often hampered by weak verification, low internal compliance, and the
emergence of practices that exploit administrative loopholes, such as illegal fees, misuse of
identity, and the involvement of internal parties in manipulating the disbursement process. These
conditions indicate structural and non-structural problems that render control functions
ineffective. This study concludes that strengthening KUR supervision requires measures that
more closely address integrity, governance improvements, and the use of more robust
verification technology so that financing distribution can return to its purpose of empowering
MSMEs appropriately and safely
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