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BPR
BUANA AGRIBISNIS TERHADAP PENDAPATAN USAHA TANI DI
KEC. SILIMAKUTA KAB. SIMALUNGUN
Oleh :
Larissha Beauty
Pembimbing : Wahyu Hamidi dan Mardiana
Effect Of Working Capital Credit Distribution In PT. BPR Buana Agribisnis For
Farmers Revenues In Silimakuta Simalungun District
ABSTRAK
Oleh :
Larissha Beauty
Pembimbing : Wahyu Hamidi dan Mardiana
Effect Of Working Capital Credit Distribution In PT. BPR Buana Agribisnis For
Farmers Revenues In Silimakuta Simalungun District
ABSTRACT
This study aims 1) To determine how the effect of working capital loans
disbursed PT. BPR Buana Agribisnis against the income of farmers in Silimakuta
District before and after receiving credit. 2) To find out what the weaknesses in
lending products BPR compared to the People's Business Credit which became
the current government program. This research was carried out through direct
surveys to PT. BPR Buana Agribisnis Saribudolok housed in Silimakuta
Simalungun District. The first respondent is the personnel director and the second
respondent is the customer or debtor of PT. BPR Buana Agribisnis. Data were
collected with method 1) questionnaire and 2) interviews. Data were analyzed
using descriptive and statistical methods with two different test mean (Z test). The
results showed 1) customers who have increased revenues after getting credit help
is around 72,2%, whose incomes remain at around 20%, and the revenue decline
was approximately 7,8%. 2) The average income of farmers before accepting a
credit in the amount of Rp 2,150,555.556, after receiving credit in the amount of
Rp 2,457,777.78 and an average increase of credit of Rp 307.222,22. Based on
the results of different test (Z-test statistic), Zhit of -0.64 and -1.96 for Zα then Ho
is rejected because Zhit <Zα which means there are significant working capital
loans to increase income of farmers in the Simalungun Silimakuta District.