Credit Guarantee the National Economic Recovery Program (PEN) for MSMEs: A Case Study of MSMEs for Bank Pembangunan Daerah DIY

In recent months the world has been shocked by a deadly virus, namely Coronavirus Disease 2019 or better known as COVID-19 which causes health crisis and an economic crisis. National Economic Recovery PEN is one of policies to improve country's conditions due pandemic systemic impact. The impact affects almost all sectors, including Micro, Small Medium Enterprises sector. This study aims analyze credit guarantees on MSME income in Daerah Istimewa Yogyakarta (DIY). uses qualitative descriptive method, with UMKM recipients program assistance through Bank BPD DIY respondents. collection technique was interviews questionnaires total sample 30 respondents selected based purposive sampling method. rate return questionnaire that can be processed 100%. From results have carried out, it concluded general new working capital help entrepreneurs recovering businesses being affected COVID-19. this are accordance Government's target helps micro-enterprises increase their business income.