Survey of Businesses Receiving The People's Business Credit 2021 Indonesia

In 2007, the Government of Indonesia launched the “People’s Business Loan” (Kredit Usaha Rakyat, KUR) program as a flagship public program to enhance MSMEs’ access to finance. Since its inception, KUR has grown into one of the world’s largest public support programs for MSMEs. This survey includes a nationally representative sample of 1,402 KUR borrowers who received micro or small KUR loans between December 2015 and March 2020. The survey covers basic business information, business practices, workers, revenue, financial history prior to receiving KUR for the first time, and financial history after receiving KUR for the first time. In addition, firms were asked one of two of the following modules: experiences with the KUR program or impact of COVID-19 on the business. The data was collected by phone in January and February 2021, and weighted stratified sampling was used to ensure a representative sample and enable subgroup analysis.

The Indonesia - KUR 2021 survey covered the following topics:

• Screening questions about KUR loan
• Identification of respondents
• Basic business information
• Information about closed businesses
• Business practices
• Business workers
• Revenue/ income
• Financial/ load history prior to receiving KUR
• Recent financing
• KUR experience
• Impact of COVID-19 on business
• Interviewer’s impression