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All Journal Jurnal Manajemen dan Agribisnis JEPA (Jurnal Ekonomi Pertanian dan Agribisnis)
Bosawer, Adriana Luciana
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Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Social Sciences

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The Effect of Distribution of People's Business Credit (KUR) in The Agribusiness Sector and The Factors That Influence It on Papua Bank Performance Bosawer, Adriana Luciana; Tinaprilla, Netti; Feryanto
Jurnal Manajemen & Agribisnis Vol. 20 No. 3 (2023): JMA Vol. 20 No. 3, November 2023
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jma.20.3.355

Abstract

Bank Papua is a financial institution that distributes KUR in Papua and West Papua. However, the KUR agribusiness sector of Bank Papua has decreased from year to year. Therefore, this study aims to determine the effect of KUR on the agribusiness sector and the factors that affect the performance of Bank Papua. Secondary data comes from Bank Papua, BPS Papua and West Papua. The data were processed and analyzed using multiple linear regression with the Ordinary Least Square (OLS) approach to determine the real effect of the independent variables on the dependent variable. The results showed that KUR in the agribusiness sector, loan deposit to ratio, net interest margin, and the conditions of the COVID-19 pandemic were not significant, while operating expenses on operating income had a significant effect on return on assets. Bank Papua must be more efficient in carrying out its business activities by reducing operational costs and increasing operating income, one of which is by increasing KUR distribution in the agribusiness sector as an economic sector that absorbs potential labor and is a sector that can withstand shocks. Operating expenses on operating income that have a negative effect on the return on assets indicates that Bank Papua is not efficient in running its business because it suffers losses. This will have an impact on decreasing credit, especially KUR in the agribusiness sector as an economic sector that is classified as high risk. This is due to its perishable nature and seasonality, thereby hampering the government's goal of developing the potential of Papua and West Papua to improve the welfare and economy of the community. Keywords: agribusiness potential, KUR agribusiness sector, Papua Bank performance, regression multiple linear
Faktor-faktor yang Memengaruhi Penyaluran Kredit Usaha Rakyat (KUR) Sektor Agribisnis Bank Papua Bosawer, Adriana Luciana; Tinaprila, Netti; Feryanto, Feryanto
Jurnal Ekonomi Pertanian dan Agribisnis Vol. 8 No. 1 (2024)
Publisher : Department of Agricultural Social Economics, Faculty of Agriculture, Brawijaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.jepa.2024.008.01.21

Abstract

The part of Micro, Small, and Medium Enterprises (MSMEs) is very strategic in the economy of Indonesia because of their ability to absorb labor, increase people's income and accelerate equitable development. However, limited capital is an obstacle to business development in the agribusiness sector, so to overcome this problem, the government provides People's Business Credit (KUR). KUR distribution through designated financial institutions and Bank Papua as one of the KUR distributors in the Provinces of Papua and West Papua. The distribution of KUR in the agribusiness sector of Bank Papua continues to decline, so this study analyzes the factors that influence the distribution of KUR in the agribusiness sector of Bank Papua. The independent variables used consist of KUR gross NPL in the agribusiness sector, CAR, DPK, inflation, KUR interest rates, GRDP in the agricultural sector, and the conditions of the COVID-19 pandemic. Multiple linear regression analysis to determine the effect of the independent variable (X) on the dependent variable (Y). This study used time series data for 29 periods. The results showed that Bank Papua's internal factors consisting of the gross NPL of KUR in the agribusiness sector, CAR, and DPK did not affect the distribution of KUR in the agribusiness sector but were more influenced by macroeconomic factors consisting of inflation, KUR interest rates and GRDP in the agricultural sector. The COVID-19 pandemic condition variable was included in this study as a dummy variable that did not affect the distribution of KUR in the agribusiness sector. The study results show that Bank Papua could be more efficient in running its business because it has yet to maximize inputs to produce outputs.
Co-Authors Feryanto Feryanto Feryanto Netti Tinaprilla Tinaprila, Netti