ANALISIS PENGARUH KREDIT USAHA RAKYAT (KUR) BANK RAKYAT INDONESIA TERHADAP PENDAPATAN PETANI CENGKEH DI KABUPATEN SINJAI

Authors

  • Andi Mawarti Universitas Muhammadiyah, Indonesia
  • Abdul Halil Universitas Muhammadiyah, Indonesia
  • Rasdiana Mudatsir Universitas Muhammadiyah, Indonesia

Keywords:

Cloves, Farmers, Income, KUR

Abstract

This study aims to determine the effect of providing People's Business Credit (KUR) by Bank Rakyat Indonesia (BRI) Kanrung Unit, Sinjai Branch on increasing the income of clove farmers in Sinjai Tengah District, Sinjai Regency. The population of this study was taken by simple random or Sample Random Sampling. For the number of samples in this study amounted to 30 respondents. In this study the authors used descriptive quantitative research and the data sources used were primary data and secondary data. The analysis techniques used are validity test, reliability test, simple linear regression and hypothesis testing. The results of this study indicate that the provision of People's Business Credit has a positive and significant effect on increasing community income because the tcount value is obtained at 8.662 and the ttable is 2.048 with a significance level of 0.000. Because the tcount value is greater than the ttable with a significance of less than 0.05 (5%), because the significance level is less than 0.05, the provision of People's Business Credit from Bank Rakyat Indonesia Kanrung Unit, Sinjai Branch has a positive and significant effect on increasing the income of clove farmers in Saotengnga Village, Sinjai Regency.Keywords: Sweet Potato, Variety, Source of Potassium.

References

Alvionita, S. (2022). Sistem Informasi Pengajuan Pinjaman Kredit Usaha Rakyat (KUR) Pada Bank Rakyat Indonesia (BRI) Unit Sukarame. Jurnal Ilmu Data, 2(2).

Anam, K., Mulyono, J. S., & Kurniawan, M. I. (2023). PENGARUH PEMBIAYAAN KREDIT USAHA RAKYAT TANI TERHADAP PENDAPATAN USAHATANI PADI. AGRIMAS, 7(1), 23–33.

Anisa, N., Hubeis, M., & Palupi, N. S. (2023). Kajian Efektivitas Pembiayaan KUR Mikro Dalam Pengembangan UMKM di Bank Syariah Indonesia (Studi Kasus di BSI KCP Bogor Pomad). MANAJEMEN IKM: Jurnal Manajemen Pengembangan Industri Kecil Menengah, 18(2), 152–162.

Anjani, W., & Purnamasari, V. (2023). Analisis faktor yang mempengaruhi minat pengajuan kur super mikro pada masa pandemi covid-19. Jurnal Ilmiah Dan Ekonomi Bisnis, 28(1).

Aristanto, E., Hidayatullah, S., Windhyastiti, I., Khouroh, U., & Rachmawati, I. K. (2022). Obstacles of Micro and Small Business Access to Kredit Usaha Rakyat (KUR) Program. MBR (Management and Business Review), 6(1), 50–58.

Dinutistomo, I. A., & Lubis, A. W. (2021). MSME lending and bank efficiency: Evidence from Indonesia. Banks and Bank Systems, 16(3), 93–103.

Evanita, S. (2019). The Influence of Satisfaction on Service Quality and Trust in Products on Loyalty of Bank Rakyat Indonesia Credit Cards Users in Padang Panjang. Third Padang International Conference On Economics Education, Economics, Business and Management, Accounting and Entrepreneurship (PICEEBA 2019), 382–390.

Hosen, M. N., & Arif, M. (2014). Pelaksanaan kredit usaha rakyat pada bank syariah mandiri di kabupaten pati. Liquidity: Jurnal Riset Akuntansi Dan Manajemen, 3(1), 65–76.

Lussardi, Y., Mukhtar, S., & Pratama, A. (2024). THE EFFECT OF OWN CAPITAL AND PEOPLE’S BUSINESS CREDIT ON THE INCOME OF MICRO, SMALL AND MEDIUM ENTERPRISES IN THE SOUTH TAMBUN AREA: KAB. BEKASI. Jurnal Ilmiah Manajemen Dan Akuntansi, 1(3), 51–57.

Mochtar, H. (2019). Pengaruh pemberian kredit usaha rakyat (kur) terhadap pendapatan usaha mikro pada pt. Bank sulselbar kantor pusat makassar. BJRM (Bongaya Journal of Research in Management), 2(2), 58–72.

Mukhsin, R., Mappigau, P., & Tenriawaru, A. N. (2017). The effect of entrepreneur’s orientation on the survival of small and medium enterprises of the fishery processing groups in Makassar City. Jurnal Analisis, VI (2), 188–193.

Prihartini, S., & Dana, I. M. (2018). Pengaruh CAR, NPL, dan ROA terhadap penyaluran kredit usaha rakyat (Studi kasus pada PT Bank Rakyat Indonesia Tbk). Udayana University.

Rahmawati, E. A. S. (2023). ANALISIS PENDAPATAN PETANI PADI MELALUI PROGRAM KREDIT USAHA RAKYAT DI DESA GAMBIRAN, KECAMATAN PRIGEN, KABUPATEN PASURUAN. Journal of Financial Economics & Investment, 3(1), 13–23.

Ratar, M., Tomayahu, E., & Murib, Y. (2023). Pengaruh Penggunaan Kredit Usaha Rakyat (Kur) Terhadap Pendapatan Petani Tomat (Solanum Lycopersicum) di Kecamatan Limboto Kabupaten Gorontalo. Global Science, 4(1), 1–9.

Ridho, A. F., Iswanaji, C., & Sunaningsih, S. N. (2022). PROBLEM SOLVING ANALYSIS OF PEOPLE’S BUSINESS CREDIT FINANCING BASED ON MURABAHAH AGREEMENT AT PT. BANK SYARIAH INDONESIA TBK. MAGELANG SINGOSARI SUB-BRANCH OFFICE. CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE, 2(1), 251–258.

Rusliyawati, R., & Wantoro, A. (2021). Model sistem pendukung keputusan menggunakan FIS Mamdani untuk penentuan tekanan udara ban. Jurnal Teknologi Dan Sistem Komputer, 9(1), 56–63.

Sari, K. I., Tikollah, M. R., & Hasyim, S. H. (2018). Pengaruh Pemberian Kredit Usaha Rakyat (Kur) Pt Bank Rakyat Indonesia (Persero) Tbk Unit Baraka Terhadap Pendapatan Petani Bawang Merah di Kecamatan Baraka Kabupaten Enrekang. UNIVERSITAS NEGERI MAKASSAR.

TIMUR, B. P. D. J. (2019). PENGARUH PENYALURAN KREDIT USAHA RAKYAT (KUR), TINGKAT SUKU BUNGA TERHADAP KINERJA KEUANGAN BANK PEMBANGUNAN DAERAH MELALUI NON PERFORMING LOAN (NPL) & BIAYA OPERASI DAN PENDAPATAN OPERASI (BOPO). Jurnal Akuntansi Berkelanjutan Indonesia, 2(2).

TIYAS BEKTI, C. N., ANDRI, P., & ENCIL, P. (2022). PENGARUH PENGGUNAAN MEDIA FILM ANIMASI TERHADAP KETERAMPILAN MENULIS TEKS EKSPOSISI DALAM PEMBELAJARAN DARINGSISWA KELAS X SMAN 6 KEDIRI TAHUN PELAJARAN 2020-2021. Universitas Nusantara PGRI Kediri.

Ujud, S., Nur, T. D., Yusuf, Y., Saibi, N., & Ramli, M. R. (2023). Penerapan Model Pembelajaran Discovery Learning Untuk Meningkatkan Hasil Belajar Siswa Sma Negeri 10 Kota Ternate Kelas X Pada Materi Pencemaran Lingkungan. Jurnal Bioedukasi, 6(2), 337–347.

Zainal, A. G., Wijaya, T., Oktarina, S., Wahyono, E., & Pairulsyah, P. (2021). Kredit Usaha Rakyat (KUR) Regulation and Communication Factors towards Farmer Independence. Nyimak: Journal of Communication, 5(1), 15–37.

Downloads

Published

2024-10-30

How to Cite

Mawarti, A. ., Halil, A. ., & Mudatsir, R. . (2024). ANALISIS PENGARUH KREDIT USAHA RAKYAT (KUR) BANK RAKYAT INDONESIA TERHADAP PENDAPATAN PETANI CENGKEH DI KABUPATEN SINJAI. Fruitset Sains : Jurnal Pertanian Agroteknologi, 12(4), 181-189. Retrieved from http://ejournal.iocscience.org/index.php/Fruitset/article/view/5571