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All Journal JEPA (Jurnal Ekonomi Pertanian dan Agribisnis) Agro Bali: Agricultural Journal
Jihad, Fajri Dhaniar Mohammad
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Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Social Sciences

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Analysis of Factors Affecting the Decision to Grant “KUR” in the Agricultural Sector at PT XYZ in Malang District, Indonesia Jihad, Fajri Dhaniar Mohammad; Riana, Fitria Dina
Agro Bali : Agricultural Journal Vol 8, No 2 (2025)
Publisher : Universitas Panji Sakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37637/ab.v8i2.1994

Abstract

Small enterprises frequently struggle with funding, which is why the government has responded by distributing People's Business Credit (KUR) as a solution. This kind of loan is a soft credit meant for small business owners with feasible ventures but little funding. This study aims to determine the influence of several factors on the decision to grant People's Business Credit (KUR) in the agricultural sector by PT XYZ in Malang District, Indonesia, focusing on the history of relationships with banks, business experience, business profits, and the amount of the proposed loan. This study uses a quantitative approach with data collected through questionnaires. The population consists of business owners in the agricultural sector who utilize government-provided KUR funds. The sampling technique used is cluster sampling at Bank XYZ. The sample in this study consists of 307 agricultural entrepreneurs who benefit from the KUR funds provided by Bank XYZ. The results of this research show that: Factors that influence the decision of Bank XYZ Singosari Unit in granting People's Business Credit (KUR) in the agricultural sector include the history of relationships with banks, business experience, business profits, and the amount of the proposed loan has a significant effect on the decision to grant KUR. While the term of the proposed loan does not affect the decision to grant KUR, the dominant factor that most influenced the decision to grant KUR to prospective debtors in the agricultural sector, based on the value of the effective contribution, was the business experience variable.
Kontribusi Pertanian Berbasis Pemanfaatan Lahan Pekarangan Terhadap Ketahanan Pangan Rumah Tangga di Kabupaten Malang Jawa Timur Jihad, Fajri Dhaniar Mohammad; Riana, Fitria Dina; Toiba, Hery; Pariasa, Imaniar Ilmi
Jurnal Ekonomi Pertanian dan Agribisnis Vol. 9 No. 3 (2025)
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.2025.009.03.7

Abstract

Food security is a condition in which food is fulfilled at the individual level. One of the activities that has contributed to food security and can be carried out by the community at the household level in Malang Regency is by utilizing land in the yard to be used as agricultural land. Food security that is guaranteed at the national or regional level does not always reflect food security at the household level. Therefore, it is necessary to measure the level of food security at the household level separately. This study was conducted with the aim of analyzing the level of household food security of the farmers of yard-based agricultural activities and the contribution of yard-based agricultural activities to household sector food security in Malang Regency. The analysis method used in this study is the Jonsson and Toole indicator to measure the level of household food security. The variables used to measure the level of food security are adult equivalent calorie uptake (TKE) and food expenditure share (PPP). The  research results showed that the level of food security of the farmers of yard-based agricultural activities in Malang Regency was 53.57% under food security conditions. In addition, the yard-based agricultural activities carried out by the community have contributed to food security by 1,620,922.60 kcal (13.66%) to the accumulated household calorie uptake of the farmers of yard-based land utilization activities in Malang Regency, 37.98% to reducing the cost of shopping for household food needs, and IDR 362,531 to additional household income.
Co-Authors Fitria Dina Riana Hery Toiba Imaniar Ilmi Pariasa