The agricultural sector has an important contribution to the economy as well as to the fulfillment of the basic needs of the community, especially with the increasing number of people which means that the need for food is also increasing. People's business credit (KUR), is one of the credit / financing given to farmers to meet the needs of working capital and investment. Proper management of KUR requires good intellectual capital and can ultimately help farmers to increase their income. The purpose of the research is: (1) to analyze the effectiveness of people's business credit distribution (KUR) on intellectual capital. (2) to analyze the effectiveness of people's business credit distribution (KUR) on increasing farmers' income through intellectual capital. The research approach used is quantitative. Research locations in Sidrap, Pinrang, Gowa, and Bantaeng. The population is 215,452 farmers and the sample size is 500 farmers. The analysis method uses instrument validity and reliability test, normality test, path analysis, paired Samples T Test, correlation and determination. The results prove that: (1) The effectiveness of people's business credit distribution (KUR) has a positive and significant effect on intellectual capital. (2) The effectiveness of the distribution of people's business loans (KUR) positively and significantly affects the increase in farmers' income through intellectual capital

Keywords : Business Credit; Distribution; Intellectual Capita; Farmers' Income