Research Proposal

Analysis of Factors Influencing the Decision to

Distribute Kredit Usaha Rakyat (KUR) in the
Agricultural Sector at PT Bank Rakyat Indonesia
(Persero) Singosari Malang Unit Office
Supervisor 1 Supervisor 2
Dr. Fitria Dina Riana, SP., MP. Imaniar Ilmi Pariasa, SP., MP., M.BA.

Presented by:
Fajri Dhaniar Mohammad Jihad (205040107111014)
Research Proposal

TABLE OF CONTENTS
Research Background Research Framework

Research Question Hypothesis

Research Purpose Research Variables

Limitation of Research Research Method

Research Proposal

RESEARCH BACKGROUND
Bank credit growth in Indonesia has
increased significantly in the last 3
years, reaching 11.2% from the
previous year.
Bank BRI is one of the Indonesia state-
owned banks that focuses on lending
to the micro sector and until the end of
the second quarter of 2023, it has
succeeded in distribusing credit
amounting to Rp 1,202.13 trillion.
 Research Proposal

RESEARCH BACKGROUND
Kredit Usaha Rakyat (KUR) is one of the forms of funding
product owned by Bank BRI to fund business development in
the micro sector.
At the BRI Singosari Malang Unit Office, not all prospective
debtors especially in the agricultural sector who apply for
KUR loans can have their applications accepted
Therefore, it is necessary to know the reasons why someone's
KUR loan application is accepted or not
Research Proposal

RESEARCH QUESTION

1. What is meant by Kredit Usaha Rakyat (KUR) in the

context of credit distribution in the agricultural
sector by Bank BRI Singosari Unit?
2. What is the factors that influence Bank BRI
Singosari Unit's decision to distribute KUR to
customers in the agricultural sector?
3. What strategies can customers in the agricultural
sector implement to increase the chances of having
their KUR application accepted by the BRI
Singosari Unit?
 Research Proposal

RESEARCH PURPOSE
1. To describe the concept of the Kredit Usaha Rakyat (KUR) program in the
context of credit distribution in the agricultural sector by Bank BRI Unit
Singosari
2. To analyze what factors influence the decision of Bank BRI Singosari Unit
in distributing KUR to customers in the agricultural sector.
3. To analyze what customers can implement in the agricultural sector to
increase the chances of receiving a KUR application by the BRI Singosari
Unit.
 Research Proposal

LIMITATION OF RESEARCH
The scope of this research focuses on KUR distribution
activities carried out by the BRI Bank Office, Singosari
Malang Unit
The data that used on this research obtained from August –
September 2023
 Research Proposal

RESEARCH FRAMEWORK
Research Proposal

HYPOTHESIS
It is suspected that the prospective debtor's history with Bank BRI,
amount of the loan requested, customer's business experience, customer's
H0 income, and term of the loan proposed by the prospective debtor do not
have a significant influence on the decision of the BRI Bank Singosari Unit
Office in distributing KUR to customers.

It is suspected that the prospective debtor's history with Bank BRI,

amount of the loan requested, customer's business experience, customer's
H1 income, and term of the loan proposed by the prospective debtor have a
significant influence on the decision of the BRI Bank Singosari Unit Office
in distributing KUR to customers.
Research Proposal

RESEARCH VARIABLES

Independent Variable (X) Dependent Variable (Y)

1. History of Relationship with Bank (X1) Decision to grant KUR (Y)
2. Amount of Loans Requested (X2)
3. Business Experience (X3)
4. Customer Income (X4)
5. Proposed Loan Term (X5)
Research Proposal

RESEARCH METHOD
1 Research Approach
2 Location and Time
Location: BRI Singosari Malang
Quantitative Approach
Unit Office
Time: 6 - 10 November 2023

3 Data Collection Method

4 Data Analysis Method
Classic Assumption Test
Primary Data: 1. Normality Test
1. Interview 2. Multicollinearity Test
3. Heteroscedasticity Test
Secondary Data
1. Documentation Multiple Linier Regresion Analysis
2. Literature Review
Statistic Tes
1. f-Test
2. t-Test
3. Coefficient of Determination
THANK YOU