Persepsi Peternak Sapi Potong Terhadap Budaya Lokal Suku Bugis Terkait Aksesibilitas Pembiayaan

Abstract

ABSTRAK. Pembiayaan pada peternak sapi potong masih merupakan determinan berkembangnya usaha peternakan.Cukup banyak penilaian yang ditentukan oleh pemberi pinjaman terutama lembaga formal yang menyulitkan peternak untuk mengaksesnya. Namun salah satu penilaian yang melekat pada diri peternak adalah karakter yang baik.Artikel ini menganalisis persepsi peternak sapi potong terhadap budaya lokal suku Bugis dan dikaitkan dengan dengan aksesibilitas pembiayaannya. Hal ini penting mengingat nilai-nilai budaya yang dianut oleh masyarakat sangat menentukan pembentukan karakter seseorang.Karakter perlu diperkuat karena merupakan salah satu hal yang dipertimbangkan oleh pemberi pinjaman untuk menilai apakah debitur layak diberikan kredit atau tidak termasuk peternak. Sementara persyaratan lainnya agak sulit dipenuhi oleh peternak seperti: collateral, capacity, dan capital.Penelitian ini dilakukan di Kabupaten Bone Sulawesi Selatan yang mayoritas suku Bugis.Jumlah peternak yang diwawancarai sebanyak 70 orang.Penelitian ini termasuk penelitian deskriptif dan menggunakan analisis statistik deskriptif. Persepsi peternak terhadap nilai-nilai budaya seperti: kejujuran (alempureng), kecendekiaan (amaccang), kepatutan (asitinajang), keteguhan (agettengeng), usaha (reso) dan harga diri (siri’) adalah sangat positif dan setuju bahwa keenam hal tersebut dianggap sangat menentukan kemampuannya dalam mengakses pembiayaan. Budaya lokal tersebut perlu dijaga, dibina dan diperkuat untuk meningkatkan kepercayaan pemberi pinjaman baik lembaga formal maupun informal sehingga akses pembiayaan dapat meningkat.Keenam nilai-nilai tersebut saling berinteraksi dan menentukan karakter yang melekat pada diri peternak.(Perception of beef cattle breeders to local culture of buginese tribe related financing accessibility)ABSTRACT. Financing on beef cattle farmers is still a determinant of the development of livestock business. Quite a lot of judgments are determined by lenders, especially formal institutions that make it difficult for farmers to access it. But one of the inherent assessment of the breeder's self is a good character. This article analyzes the perception of beef cattle ranchers to the local culture of the Bugis tribe and associated with the accessibility of its financing. This is important because the cultural values adopted by the community are crucial to the formation of a person's character. The characterneeds to be strengthened because it is one of the things considered by the lender to assess whether the debtor is worthy of credit or not including the breeder. While other requirements are rather difficult to be met by breeders such as collateral, capacity, and capital.This research was conducted in Bone Bugis district of South Sulawesi. The number of farmers interviewed as many as 70 people. Research includes descriptive research and using descriptive statistical analysis. Farmers perception of cultural values such as honesty, intellect, propriety, perseverance, hard workandself-esteem are very positive and agree that these six things are considered determine its ability to access financing. The local culture needs to be maintained, nurtured and strengthened to increase the trust of both formal and informal lenders so that access to finance can increase. These values mutually intersect and determine the inherent character of the breeder.

Strategy for the Successful Implementation of Social Capital Based on Cattle Business Insurance

“…The insured character concerns the character, attitudes, and values adopted by the breeder. Good character will determine the intention or willingness and compliance to fulfill its obligations in accordance with the established agreement [4]. The AUTS program is a relatively new program, so it is necessary to provide more intensive understanding and benefits of AUTS for farmers [6].…”