The Influence of 5-C Factors on Rate of Credit Return in Beef Cattle Farming in Central Java

Abstract

Tujuan penelitian adalah menganalisis (i) pendapatan usaha ternak sapi potong, (ii) kemampuan peternak untuk memenuhi kewajiban pengembalian kredit; (iii) peranan faktor Character, Capacity, Capital, Collateral dan Conditions (5C) dan pengaruhnya terhadap pengembalian kredit. Penelitian menggunakan metode survai pada peternak sapi potong pola penggemukan dan induk-anak yang memanfaatkan kredit sebagai modal usaha. Penentuan sampel menggunakan two stage clustered random sampling pada lima kabupaten berdasarkan populasi sapi potong di Jawa Tengah yaitu Blora, Rembang, Grobogan, Wonogiri dan Boyolali. Jumlah sampel 100 responden, terdiri 50 responden pola penggemukan dan 50 responden pola induk-anak. Data dianalisis dengan metoda deskriptif dan statistik inferensial, yang meliputi analisis skor, pendapatan dan regresi linear berganda. Hasil penelitian menunjukkan bahwa pendapatan usaha ternak per-tahun pola penggemukan lebih besar dibandingkan pola induk-anak (Rp 8.954.208,00>1.606.786,00), dan kontribusi pola penggemukan terhadap pendapatan rumahtangga lebih besar dibandingkan pola induk-anak (49,45>14,91%.). Kemampuan peternak mengembalikan kredit 61,35% dari jumlah kredit sebesar Rp 22.482.510,00. Hasil evaluasi menunjukkan bahwa character dan capacity peternak berada pada katagori cukup baik, sedangkan nilai

Optimum Length of Raising Time and the Relation With Business Income of Simmental-Ongole Grade Crossbred Beef Cattle Fattening Farm in Wonosobo Regency-Central Java

“…This result was 2.21 times higher than the results of the research of Priyanti et al (2012) (Huyen et al, 2010) after equalized. The income in this research was also 40.50% higher than the income of beef cattle fattening in the research of Prasetyo et al (2012) after equalized per bull during 1.5 months and the prevailing prices.…”

“…respectively IDR 25,385.45 and IDR 4,574.69. When the both income are equalized in 1.50 month, the income per kg of cattle body weight in this research is more higher than the income of the results of Prasetyo et al (2012), i.e. IDR 838.88 per kg of cattle body weight.…”

“…Basuki (2000) and Mayulu et al (2009), it means that the farmers of SOG beef cattle fattening in Wonosobo Regency relatively reached the optimum sooner, at the condition of the prices in 2012 and traditionally cultivated. Generally, farmers had conducted beef cattle fattening for 6.1 to 7.3 months (Topcu and Demir, 2005), 4-5 months (Winaryanto et al, 2010), 8.18 months (Prasetyo et al, 2012) with an emphasis on high final income, without considering the optimum time. It happened because the small scale farmers had a different goal.…”

Financing small-holder cattle fattening in Indonesia: integrating demand, supply and institutions

“…Even so, interviewed banks place character and capacity as the most important aspects in loan assessment as reported by Winarso (2015) and Wulandari et al (2017). While Prasetyo et al (2012) reported that capital and collateral are important in loan assessment: greater value of collateral and capital usually results in better repayment rates.…”