Analysis of the Benefits of Providing Credit to Micro dan Small Agricultural Businesses in Banjar Regency, Indonesia

Abstract

Micro and Small Enterprises (MSEs) have an important and strategic role in the national economy. MSEs have received considerable attention from various groups, both from the government and financial institutions because they have proven to be part of the savior of the national economy which was experiencing a downturn at that time. The government and financial institutions have made various efforts to support the progress of MSEs, one of which is by providing business capital loans. Therefore, it is necessary to analyze the benefits of providing capital loans to MSEs. The research aims to: [1] analyze the benefits of credit that has been distributed by PT BPR Martapura Banjar Sejahtera and [2] analyze the factors that influence the decision of micro and small enterprises MSEs in agriculture to take credit at PT BPR Martapura Banjar Sejahtera. The data analysis method used in this research is quantitative descriptive analysis. The sampling method used is proportionate random sampling and accidental sampling. Data were analyzed through: [1] descriptive, [2] scoring method, and [3] tested through binary logistic regression. The results showed that the credit channeled by PT BPR Martapura Banjar Sejahtera to agricultural MSEs in Banjar Regency is effective in increasing the turnover of MSEs. It is also known that the variables of business risk and credit socialization are variables that significantly influence the decision of micro and small enterprises of MSEs in agriculture to take credit at PT BPR Martapura Banjar Sejahtera.