THE ROLE OF PAWNSHOPS IN KUR FINANCING FOR ECONOMIC DEVELOPMENT IN KUPANG CITY

Princessa Betsyebalia; Fransina W. Ballo; Novi Theresia Kiak

doi:10.58290/jmbo.v4i1.409

Penulis

Princessa Betsyebalia Universitas Nusa Cendana
Fransina W. Ballo Universitas Nusa Cendana
Novi Theresia Kiak Universitas Nusa Cendana

DOI:

https://doi.org/10.58290/jmbo.v4i1.409

Kata Kunci:

Pawnshop, KUR Financing, Community Economy

Abstrak

This study aims to identify and describe the role of pawnshops in
KUR (People’s Business Credit) financing for economic
development in Kupang City using a descriptive qualitative
approach. The research subjects were employees and staff at PT.
Pegadaian (Credit Provision Unit) and KUR recipients from the
pawnshop. Data were collected through observation, interviews,
and documentation techniques. The data sources in this study
consisted of primary and secondary data. The research findings
indicate that the Pension Fund of the NTT Regional Development
Bank experienced a funding deficit. The results also show that the
People’s Business Credit (KUR) financing provided by pawnshops
significantly helps MSMEs (Micro, Small, and Medium
Enterprises) manage financial resources for operations, run their
businesses, increase income, and improve community performance.
MSME income increased, and if the increase continues after
receiving KUR financing, pawnshops may expand their financing
simulations to larger amounts, provided the loans are performing
and income continues to grow after receiving KUR support from
the pawnshop.

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