Pengaruh Kredit Usaha Rakyat (KUR) PT Bank X Cabang Kabanjahe pada Produktivitas Usahatani Hortikultura

Abstract

This study analyzes the impact of the People's Business Credit (KUR) from PT Bank X, Kabanjahe Branch, on the productivity of horticultural farming (potato, carrot, cabbage) in Kabanjahe and Brastagi Districts, Karo Regency. Capital constraints are a primary barrier for farmers in scaling up and intensifying their operations. Using a quantitative approach, Propensity Score Matching (PSM) was applied via Stata 17 to compare 76 farmers (37 KUR recipients and 39 nonrecipients) selected purposively. Data were collected through structured interviews and documentation studies.