PENGARUH KREDIT USAHA RAKYAT (KUR) BANK SUMSEL BABEL TERHADAP PENINGKATAN PRODUKTIVITAS DAN DAYA SAING UMKM DI KAWASAN UIN RADEN FATAH PALEMBANG

Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in the Indonesian economy, but still face various obstacles, especially limited access to capital. This study examines the impact of Bank Sumsel Babel's People's Business Credit (KUR) program on increasing the productivity and competitiveness of MSMEs in the UIN Raden Fatah Palembang region. This study uses a quantitative approach known as an explanatory approach. Data was obtained by distributing questionnaires to 38 MSME actors who were KUR recipients. The data was then analyzed using validity, reliability, normality, linearity, and simple linear regression tests with the help of SPSS. The results showed a linear relationship between KUR and the productivity and competitiveness of MSMEs. With a significance value of