This study aims to determine the effect of the amount of financing, customer income and the period of return on customer financing at BPRS Carana Kiat Andalas Bukittinggi. This study used a quantitative method with a questionnaire research instrument with a logistic regression analysis tool from SPSS 22. The sampling method used purposive sampling with the slovin technique, with a total population of 743 financing customers at BPRS Carana Kiat Andalas Bukittinggi and a sample of 80 financing customers at BPRS Carana Tips Andalas Bukittinggi. The results of this study indicate that the amount of financing has a negative influence on the smooth return of financing. Customer income has a positive influence on the smooth return of financing. Meanwhile, the payback period does not affect the smooth return of financing at BPRS Carana Kiat Andalasa Bukittinggi. And simultaneously the variable amount of financing, customer income, and payback period affect the smooth return of financing at BPRS Carana Kiat Andalas Bukittinggi.

Productivity and product quality are very low due to cultivation methods and post-harvest processes and gambier processing that are not optimal and the lack of technological support for gambier processing. The very low level of productivity causes the amount of production produced to also be low. The decrease in the value of gambier productivity indicates that there has been inefficiency of farmers in allocating existing production factors. This research is associative with a quantitative approach. The population in this study were 18,547 gambier farmers and the sampling technique was random sampling. So in this study using a sample of 100 respondents. This study uses Multiple Linear Regression Analysis with the help of SPSS version 25. The purpose of this study was to analyze the influence of the use of production factors in the form of land area, labor, gambier prices on gambier production. The results showed that the variables of land area and labor could increase the amount of gambier production positively and significantly. Gambier price variable has a positive and insignificant effect on the amount of gambier production.

Productivity and product quality are very low due to cultivation methods and post-harvest processes and gambier processing that are not optimal and the lack of technological support for gambier processing. The very low level of productivity causes the amount of production produced to also be low. The decrease in the value of gambier productivity indicates that there has been inefficiency of farmers in allocating existing production factors. This research is associative with a quantitative approach. The population in this study were 18,547 gambier farmers and the sampling technique was random sampling. So in this study using a sample of 100 respondents. This study uses Multiple Linear Regression Analysis with the help of SPSS version 25. The purpose of this study was to analyze the influence of the use of production factors in the form of land area, labor, gambier prices on gambier production. The results showed that the variables of land area and labor could increase the amount of gambier production positively and significantly. Gambier price variable has a positive and insignificant effect on the amount of gambier production.