✔
✔
20 < x < Rp 75.000.0000
✔
✔
2.2The lack and the evidence of KUR (Kredit Usaha Rakyat)
2.2.1Lack of information from the university
Criticism that probably stems from the fact that such schools were established to serve the needs of large organizations, but since 1990s as structure have changed, entrepreneurship has appeared in curriculum (Pittway and Cope, 2007; Gibb, 2009). Unfortunately, it still happens in Indonesia and the fact is the external factors like public policy, bureaucracy, loan and collateral system has never been appeared in curriculum. Others, most of university, business school or school of business and economic, does not have any Small Medium Enterprise incubator or pilot project, whether it gives overall business knowledge for its undergraduate and graduate students.
For example, in my previous study, I have never got an education to make business license like SKDU, SIUP, NPWP and TDP, and it had made my business grow slowly because I have to spend 1 year to make the business license and wait 2 more years before I can get loan from the bank. This is also had made a lack in entrepreneurship development, because if I or other graduate student have a low passion in entrepreneurship, then I or they will change their career to be an employee.
2.2.2Lack of Bureaucracy
In my previous business experience, I had a fact that Indonesian bureaucracy is very corrupt and make negative contribution to the entrepreneur development (see table 1).
Table 3. Business License Process (Edited from many sources, Dhani, 2010)
Legal Letter
Dept in Charge / Authority
Period of Complement
The Source of lack /
The Barrier
The Cost (x 1.000)
