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ABSTRAKTujuan penelitian ini untuk mengetahui sikap dan perilaku petani pedesaan dalam mengambil keputusan memperoleh kredit usaha tani, mengetahui tingkat pengetahuan petani terhadap kredit usaha tani, mengetahui bagaimana sikap perbankan terhadap calon nasabah petani yang tidak memiliki agunan di DesaPegagan Julu III. Metode penentuan daerah yang digunakan dalam penelitian ini adalah metode purposive area sampling. Pengambilan sampel dilakukan dengan metode simple random sampling dengan jumlah sampel sebanyak 30 sampel. Metode analisis yang digunakan adalah metode deskriptif. Hasil penelitian menunjukkan sikap petani terhadap kredit usaha tani positif dan perilaku petani memakai kredit usaha tani dengan persentase 80%. Tingkat pengetahuan petani terhadap kredit usaha tani sangat baik dengan perolehan persentase 80%.Sikap perbankan terhadap calon nasabah petani yang tidak memiliki agunan menolak dan menyarankan menggunakan kredit tanpa agunan (KTA). Kata Kunci : Sikap, Perilaku dan Tingkat Pengetahuan.ABSTRACTThe purpose of this study is to determine the attitudes and behavior of rural farmers in making decisions about obtaining farm loans, knowing the level of knowledge of farmers on farm loans, knowing how the banking attitude towards prospective farmers who did not have collateral in PegaganJulu III Village.The method used to determining the area in this study is the purposive area sampling. Samplingdone using simple random sampling method with a total 30 samples. The analytical method used is descriptive method. The results showed that farmers' attitudes towards farming were positive and the behavior of farmers using farming credit was 80%. The level of farmers' knowledge of farming credit is very good with the approval of 80%. Banking attitude towards prospective buyers of Farmers who do not have collateral is reject it and recommend to using The Credit Without Collateral (KTA).  Keywords :Attitude, Behavior and Level of Knowledge.

SIKAP DAN PERILAKU PETANI PEDESAAN DALAM MENGAMBIL KEPUTUSAN MEMPEROLEH KREDIT USAHA TANI DI BANK KONVENSIONAL