Comparative Analysis of Lowland Rice Farmers’ Income between Users and Non-Users of the People's Business Credit (KUR) in Pondidaha District, Konawe Regency

Jurisna Nurasya (Alumnus of Agribusiness, Faculty of Agriculture, Halu Oleo University, Kendari City, Indonesia)
Ine Fausayana (Lecturer, Faculty of Agriculture, Halu Oleo University, Kendari City, Indonesia)
Yusna Indarsyih (Lecturer, Faculty of Agriculture, Halu Oleo University, Kendari City, Indonesia)

International Journal of Technology and Education Research
Vol. 4 No. 03 (2026): July- September, International Journal of Technology and Education Research (I

This study aims to: (1) determine the income generated from lowland rice farming in Ponidaha District, Konawe Regency, and (2) analyze the differences in income between rice farmers who use People's Business Credit (Kredit Usaha Rakyat/KUR) and those who do not in Ponidaha District, Konawe Regency.The research was conducted in Ponidaha District, Konawe Regency, involving a total sample of 81 respondents, consisting of 21 KUR beneficiary farmers and 60 non-KUR farmers. The data were analyzed using farm income analysis and the Independent Samples t-Test to examine differences in the average income between KUR users and non-users. Farm income was calculated as the difference between total revenue and total production costs. The results indicate a statistically significant difference in income between lowland rice farmers who use KUR and those who do not in Ponidaha District, Konawe Regency. This difference suggests that access to KUR financing enhances farmers' ability to obtain working capital and production inputs, thereby improving farm productivity and increasing both revenue and overall farm income