MEKANISME PENCAIRAN KREDIT USAHA RAKYAT (KUR) PT. BANK RAKYAT INDONESIA (Persero) Tbk. UNIT KODYA BLITAR

This study examines the disbursement mechanism of Kredit Usaha Rakyat (KUR) at PT Bank Rakyat Indonesia (Persero) Tbk. Unit Kodya Blitar, which is a critical stage in supporting Micro, Small, and Medium Enterprises (MSMEs) financing. The disbursement process involves several stages, including final validation by the loan officer, data input through the BRI Small Business Integrated Spot (BRISPOT) system, execution by the teller, and documentation by the relevant parties. BRISPOT is an integrated digital application developed by BRI to support the end-to-end process of micro-credit services in real-time. The results indicate that the use of BRISPOT improves efficiency and accuracy in loan disbursement, although challenges remain such as system disruptions and application rejections due to customers’ credit histories. Therefore, it is necessary to strengthen initial validation, conduct regular system maintenance, and provide financial education to customers to ensure that the disbursement process is more optimal and well-targeted.