Abstract
The role of financial institutions is very much needed in the form of supporting the development of the oil palm agricultural sector. Banking is one of the agents of development. The main function of banking is as a financial intermediary institution. Therefore, banks are expected to be able to channel financing to the agricultural sector. However, in the distribution of credit or financing facilities, there are terms and elements of credit that must be fulfilled by farmers as prospective debtors at Bank Mandiri Syariah, after which a feasibility analysis will be carried out on prospective debtors. The purpose of this study was to analyze the effect of financing needs, income, collateral value, education, and length of farming on financing approval for oil palm farmers. The method of determining the sample was carried out by using a census, namely the entire debtor in which the farmers who applied for oil palm financing were sampled in this study as many as 61 people. In this study, it was processed using logistic regression analysis. The results showed the variables of financing needs and collateral have a significant effect on financing approval, while income, education and length of farming variables have no significant effect on financing approval. If t he variables of financing needs, income, collateral, education and length of farming increases, the financing approval will increase/agree. Keywords: Palm oil; Farmers; Financing; Banking.
Highlights
The role of financial institutions is very much needed in the form of supporting the development of the oil palm agricultural sector
The results showed the variables of financing needs and collateral have a significant effect on financing approval, while income, education and length of farming variables have no significant effect on financing approval
Pengaruh Aspek Keuangan, Aspek Manajemen dan Aspek Agunan Terhadap Besarnya Persetujuan Pembiayaan Pada Petani Kelapa Sawit Di Bank Syariah Mandiri
Summary
Analisis statistik deskriptif digunakan untuk mengetahui deskripsi suatu data yang dilihat dari nilai maksimum, minimum, rata-rata dan standar deviasi pada masing-masing variabel. Hasil dari statistik deskriptif pada penelitian ini terlihat pada Tabel 1. Besar pendapatan petani yang mengajukan pembiayaan rata-rata sebesar 12,7592 (dalam juta), besar pendapatan terrendah adalah 3,52. (dalam juta) dan besar pendapatan tertinggi adalah 48,90 (dalam juta). Lama pendidikan petani yang mengajukan pembiayaan rata-rata. Statistik ini bertujuan untuk mengukur kemampuan model regresi logistik dalam mencocokkan atau menyesuaikan data serta dapat diinterpretasikan sebagai suatu nilai yang mengukur kemampuan variabel-variabel bebas dalam menjelaskan atau menerangkan variabel tak bebas. Hasil dari uji koefisien determinasi pada penelitian ini terlihat pada Tabel 3. Pengujian kelayakan model regresi logistik dilakukan dengan menggunakan goodness of fitness test yang diukur berdasarkan nilai Chi-Square. Hasil pengujian dari kelayakan model terlihat pada Tabel 4
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