Enhancing Sharia Kur Effectiveness In Batang: Regulatory Barriers And Msme Economic Growth

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Qualitative analysis reveals regulatory barriers affect KUR effectiveness in MSMEs, suggesting improved financial literacy and support.

KUR has increased working capital for MSMEs by up to 30%, yet regulatory barriers hinder its full effectiveness.
About 20% of KUR applications face delays, mainly due to incomplete permits and low financial literacy levels among MSME actors.
Qualitative methods including interviews and observations were used to assess the sharia KUR process and its challenges.
Improving MSME support requires digital verification, financial literacy workshops, and better local government collaboration.

Ubaidillah et al. (2025) studied this question.

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