Pengaruh Kredit Usaha Rakyat (Bank Mandiri KCP Medan Brahrang) terhadap Produksi Usahatani Kelapa Sawit di Kabupaten Langkat

Abstract

Bank Mandiri KCP Medan Brahrang manages funds obtained from customer deposits in the form of regular savings, business savings, and your savings which are channeled in the form of credit to small entrepreneurs who live in rural areas because one of the common characteristics inherent in rural communities is capital that is still low. weak. This lack of capital limits the scope for business activities carried out by rural communities whose purpose is to increase income. This study aims to analyze the process of providing smallholder business credit (KUR) to oil palm farmers and the effect of providing smallholder business credit (KUR), land area, fertilizers, and pesticides on oil palm farming production in Langkat Regency. This research uses qualitative and quantitative research methods. The results of this study indicate that the procedure for providing People's Business Credit (KUR) by Bank Mandiri KCP Medan Brahrang in the process of distributing bank KUR uses an internal and or external assessment system to assess, analyze and record the credit application process until the account is formed. As well as the analysis process and refer to the applicable Credit Standard Procedures (SPK) and or Operational Technical Guidelines (PTO). And the authority to determine KUR credit refers to the provisions of Standard Credit Procedures (SPK) applicable at the Bank. People's Business Credit (KUR) (X1), Land Area (X2), and Fertilizer (X3) are positive and significant, while Pesticides (X4) are positive and not significant to the production of oil palm farming in Langkat Regency.