EVALUASI KREDIT USAHA PETERNAKAN SAPI POTONG PADA KELOMPOK TANI TERNAK
(1) Program Studi Magister Agribisnis Program Pasca Sarjana UNDIP
(2) Program Studi Magister Agribisnis Program Pasca Sarjana UNDIP
(3) Program Studi Magister Agribisnis Program Pasca Sarjana UNDIP
Abstract
Tujuan penelitian ini adalah menganalisis keragaman faktor-faktor pengembangan kredit usaha sapi potong; menganalisis kemampuan anggota kelompok tani ternak dalam memenuhi kewajiban pengembalian kreditnya; menganalisis pengaruh faktor-faktor pengembangan kredit terhadap tingkat pengembalian kredit. Metode analisis yang digunakan adalah diskriptif kualitatif dan kuantitatif. Sedangkan teknik pengambilan data menggunakan teknik survey. Keragaan faktor-faktor pengembangan kredit usaha sapi potong meliputi : pokok kredit, bunga kredit, pendapatan, jumlah ternak, lama beternak, usia peternak, dan jumlah tanggungan keluarga. Rasio rata-rata tingkat pengembalian kredit adalah 1.1586. Rasio tersebut diperoleh dari perhitungan rata-rata pokok kredit dan bunga yang telah dibayar (Rp. 30.748.073,00) dengan rata-rata pokok kredit dan bunga yang seharusnya dibayar (Rp. 26.635.545,00). Hasil persamaan regresi menunjukkan bahwa pendapatan (X3), jumlah ternak (X4) dan lama beternak (X5) berpengaruh terhadap tingkat pengembalian kredit. Sedangkan pokok kredit (X1), bunga kredit (X2), usia peternak (X6), jumlah tanggungan keluarga (X7) tidak berpengauh tingkat pengembalian kredit.
The purpose of the study is to analyze the variety of factors in developing business credit program for beef cattle businessmen in accessing the loan; to analyze the farmer group members’ capability in returning the loan; and to analyze the impact of development credit factors toward the rate of returning the loan. The variety of factors credit development of beef cattle business consists of main credit, credit interest, revenue, total number of livestock, breeding period, farmer’s age and the number of family members. The ratio of average loan repayment rate is 1.1586. The ratio is gained from counting the average of main credit and paid off interest (Rp. 30.748.073,00) and the average of main credit and interest that should be paid (Rp. 26.635.545,00). The result of the regression equation shows that credit back were revenue (X3), total number of livestock (X4) and breeding period (X5) affected toward credit return. While the main credit (X1), credit interest (X2), the age of the farmers (X6), the number of family members (X7) were not significantly affected toward credit return.
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