Model Efktivitas dan Manajemen Kredit Usaha Rakyat (KUR) dalam Meningkatkan Daya Saing dan Potensi Peningkatan Pendapatan Petani Sawit di Kabupaten Deli Serdang

Abstract

Faliha Awalina Lubis (207039026), in her thesis entitled "The Effectiveness and Management Model of People's Business Credit (KUR) in Enhancing the Competitiveness and Income Potential of Oil Palm Farmers in Deli Serdang Regency", was supervised by Dr. Ir. Sinar Indra Kesuma, M.Si. as Chair of the Supervisory Committee and Dr. Lindawati, S.P., M.Si. as Member of the Supervisory Committee. This study aims to analyze the influence of KUR Management and KUR Effectiveness on Competitiveness, and their impact on the Income Potential of oil palm farmers in Deli Serdang Regency. A quantitative approach was employed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). The number of respondents in this study was 96 oil palm farmers who received KUR financing. The results reveal that KUR Management has a positive and significant effect on KUR Effectiveness, indicating that better financial management improves program implementation. Furthermore, KUR Effectiveness significantly affects farmers’ Competitiveness, reflecting how well-managed credit programs enhance business capacity and performance. The study also finds that KUR Management directly influences Competitiveness, and Competitiveness significantly contributes to farmers’ Income Potential. It can thus be concluded that Competitiveness serves as a key mediating variable in the relationship between financial management effectiveness and income improvement. The findings highlight that the success of KUR programs is not solely determined by the volume of disbursed funds but strongly depends on the quality of management and the effectiveness of program execution at the grassroots level.