OPTIMIZATION OF CREDIT POLICY FOR MARKET TRADERS: A COMPREHENSIVE EVALUATION OF KUKAR IDAMAN CREDIT (KKI)
1) Aini, 2) M. Kiswanto, 3) Surahman, 4) Erwin Prayogi, 5) Prapdopo, 6) Eman Sukmana,
7) Muhammad Said, 8) Muhammad Dipo Nugroho, 9) Joko Sabtohadi
1,9) BRIDA Kutai Kartanegara
2,3,5,6,7,8) Politeknik Negeri Samarinda
4) Universitas Kutai Kartanegara
E-mail: aeninuraini71@gmail.com
ABSTRACT.
Kukar Idaman Credit (KKI) is a zero-interest financing program initiated by the Kutai Kartanegara Regency Government to support micro and small enterprises (MSEs), particularly traditional market traders. This study aims to evaluate KKI’s service quality, debtor satisfaction, business impact, and the effectiveness of program outreach. A mixed-method approach, including surveys, interviews, and SWOT analysis, was employed. Findings indicate that 91% of KKI debtors are satisfied, while 59% reported increased income after receiving credit. However, program outreach remains a challenge, as 53% of MSEs lacked full awareness of KKI benefits prior to this study. The research recommends optimization strategies such as enhanced outreach efforts, increased credit ceilings, and business mentoring programs to improve KKI’s effectiveness and sustainability.
Keywords: Kukar Idaman Credit, Micro and Small Enterprises, Debtor Satisfaction, Outreach, Policy Optimization
ABSTRAK
Kredit Kukar Idaman (KKI) merupakan program pembiayaan tanpa bunga yang dikembangkan oleh Pemerintah Kabupaten Kutai Kartanegara untuk mendukung pelaku Usaha Mikro dan Kecil (UMK), khususnya pedagang pasar tradisional. Studi ini bertujuan untuk mengevaluasi kualitas layanan KKI, tingkat kepuasan debitur, dampak terhadap usaha, serta efektivitas sosialisasi program. Penelitian menggunakan pendekatan campuran dengan metode survei, wawancara, dan analisis SWOT. Hasil penelitian menunjukkan bahwa 91% debitur KKI merasa puas, sementara 59% mengalami peningkatan pendapatan setelah menerima kredit. Namun, terdapat tantangan dalam penyebarluasan informasi, di mana 53% pelaku UMK belum memahami sepenuhnya manfaat KKI sebelum penelitian dilakukan. Kajian ini merekomendasikan strategi optimalisasi melalui peningkatan sosialisasi, perluasan plafon kredit, serta program pendampingan usaha guna meningkatkan efektivitas dan keberlanjutan KKI.
Kata Kunci : Kredit Kukar Idaman, Usaha Mikro dan Kecil, Kepuasan Debitur, Sosialisasi, Optimalisasi Kebijakan