STRATEGI ADAPTIF BANK PERKREDITAN RAKYAT DALAM MENGHADAPI EKSPANSI KREDIT UMKM BANK UMUM DI MALANG

• Main Author: Sari Yuniarti
• Format: Article
• Language: English
• Published: Universitas Merdeka Malang 2017-03-01
• Series: Jurnal Keuangan dan Perbankan
• Subjects: rural banking, adaptive strategy, credit expansion, SMEs
• Online Access: http://jurnal.unmer.ac.id/index.php/jkdp/article/view/1037
• ISSN: 1410-8089; 2443-2687

The competition of giving credit small and medium enterprises (SMEs) was tighter. After global finance crisis,private banks and BUMN banks fought for living fund to customers. This activity was done by BPR. For thisreason, BPR had to have an adaptive strategy to adapt to the changes happened, which was consideredunbeneficial because there was an expansion public banks which offered SMEs credit. This research aimed atknowing how adaptive strategy done by BPR in facing credit expansion of SMEs done by public banks inMalang. The data used was primary data taken from questionnaire and interview to BPR. By using qualitativedescriptive analysis technique, it could be known that BPR needed giving protection through guaranteepattern so that it could develop SMEs to become feasible and bankable SMEs, strengthen BPR industryinfrastructure, strengthen network inter micro finance institution and between BPR and LKM, and establish amutual and solid partnership which became the strong point of BPR compared with public banks.