ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI TINGKAT PENGEMBALIAN KREDIT MIKRO UTAMA (KMU) PADA SEKTOR PERTANIAN OLEH DEBITUR BANK NTT KANTOR CABANG UTAMA KUPANG PROVINSI NUSA TENGGARA TIMUR

Micro, Small and Medium Enterprises (MSMEs) have a very important role in the economy. A study applying a survey method approach was conducted in October 2012 - January 2013 to determine the factors that affect the rate of return on Prime Micro Credit (PMC) in agriculture on NTT Bank - Main Branch of Kupang. This study aims to: (1) describe the characteristics of the customers returning PMC and creditors performance in NTT Bank - Main Branch of Kupang, (2) determine assesment process of PMC and its distribution, and (3) analyze the factors that affect the collectibility of PMC in agriculture sector on NTT Bank - Main Branch of Kupang. The sampling method used was proportionate cluster purposive sampling. The number of samples used were 80 respondents which divided into 55 no smoothly customers and 25 smoothly customers. The data was analyzed using descriptive qualitative analysis and quantitative analysis. The quantitative analysis model used is a binary logistic regression. Quantitative data was processed using Microsoft Excel 2007 and SPSS version 18. The results showed that the characteristics of customers who are facing non performing loans are mostly no longer productive age, male, married, has the highest level of junior secondary education, as well as having a large number of family. Business characteristics that affect the level of noncurrent collectibility are amount of assets that is less than 20 million IDR, turnover of less than five million IDR, the credit of more than 30 million IDR, operating revenues less than one million IDR and the business done is not a core business but just as a companion of core business. Factors that are having significant effect on the collectability of micro credit were assets variable (<20 million), turnover (<5 million), credit limit (> 30 million), business income, back payment, paid-in interest and time period of repayment (P <0.10).  The performance of NTT Bank in executing micro credit is classified into good performance. In order to reduce the number of customers were are not fluent in their credit worthiness, then micro credit disbursed should not more than 30 million IDR and the business involved should be as core business. ABSTRAK Usaha Mikro Kecil dan Menengah (UMKM) memiliki peran yang sangat penting dalam perekonomian. Suatu studi dengan pendekatan metode survei telah dilaksanakan pada bulan Oktober 2012 – Januari 2013 untuk mengetahui faktor-faktor yang mempengaruhi tingkat pengembalian Kredit Mikro Utama (KMU) di bidang pertanian pada Bank NTT Kantor Cabang Utama Kupang. Penelitian ini bertujuan untuk mengetahui proses penyaluran dan penilaian KMU dan mendeskripsikan karakteristik kreditur  yang mempengaruhi tingkat pengembalian KMU di bidang pertanian dan peternakan pada Bank NTT Kantor Cabang Utama Kupang. Metode sampling yang digunakan adalah proportionate cluster purposive sampling. Jumlah sampel yang diambil sebanyak 80 orang debitur dimana 55 orang debitur tidak lancar dan 25 orang debitur lancar. Faktor-faktor yang secara signifikan berpengaruh terhadap kolektibilitas KMU Bank NTT  ialah variabel aset (<Rp.20 juta), omset (<Rp.5 juta), plafon kredit (>Rp.30 juta), pendapatan usaha, setoran tunggakan, setoran bunga, dan waktu pelunasan (P<0.10). Kinerja Bank NTT dalam penyaluran kredit mikro utama tergolong baik. Dalam rangka menekan jumlah debitur yang tidak lancar dalam pengembalian kreditnya, maka sebaiknya KMU yang dikucurkan tidak boleh lebih dari Rp.30 juta dan bidang usaha yang digeluti tersebut harus menjadi usaha pokok

RESPONS PRODUKSI AGROINDUSTRI SE’I BABI TERHADAP PERMINTAAN KONSUMEN (STUDI KASUS PADA USAHA AGROINDUSTRI SE’I BABI BAUN)

A case study focused on the agroindustry of Baun smoked pork in the District of Amarasi Barat Regency of Kupang has been conducted from September to October 2016. The aims of the study were: (1) to assess consumer perceptions about the peculiarities of Baun smoked pork; (2) to identify the efforts made by the producer in maintaining the customers; (3) to analyze factors that influence consumer demand, and (4) to analyze the extent of the production response to the demand of smoked pork. Ninety consumer respondents were included in this study following a simple random sampling procedure during 30 days of interviewed (3 respondents/day). The data obtained were descriptively analyzed for both qualitative and quantitative. Cobb-Douglas function was used to analyse the correlation and regression for quantitative data. The results showed that Baun smoked pork had a distinctive taste, with simple way of serving and on time. It also had available lesehan dining facilities. Factors that have a significant effect on the demand of smoked pork were the income and the number of family member. Furthermore, the production of smoked pork is influenced by consumer’s demand and day of production. The smoked pork production did not corresponding with the consumer demand, where the total demand of 2,624 kg per month. Therefore, producers should have the right strategy to maintain their potential consumers through the efforts of increasing the number of pig slaughtered especially at the week end. ABSTRAK Penelitian bertujuan untuk: (1) mengetahui persepsi konsumen tentang kekhasan produk se’i babi Baun; (2) mengidentifikasi upaya produsen dalam mempertahankan  pelanggan; (3) menganalisis faktor  yang mempengaruhi permintaan konsumen; (4) menganalisis sejauh mana respons produksi terhadap permintaan se’i babi. Pengambilan contoh  konsumen sebanyak 90 orang dilakukan secara acak sederhana dengan teknik pengambilan tiga orang per hari selama 30 hari. Data dianalisis secara deskriptif kualitatif dan kuantitatif. Analisis kuantitatif berupa analisis korelasi dan regresi dengan pendekatan fungsi Cobb-Douglas. Hasil penelitian menunjukkan bahwa se’i babi Baun memiliki rasa yang khas, cara penyajiannya sederhana dan tepat waktu serta tersedia fasilitas makan lesehan. Faktor-faktor yang berpengaruh nyata terhadap jumlah permintaan se’i babi Baun yaitu pendapatan dan jumlah anggota keluarga. Selanjutnya, produksi se’i babi Baun dipengaruhi oleh permintaan konsumen dan hari produksi. Produksi belum merespon permintaan konsumen dimana jumlah permintaan sebanyak 2.624 kg per bulan belum dapat dipenuhi oleh produsen se’i babi. Oleh karena itu, produsen harus memiliki strategi yang tepat untuk mempertahankan konsumen potensialnya melalui upaya meningkatkan jumlah ternak babi yang dipotong khususnya pada akhir minggu

Efisiensi penggunaan faktor produksi pada usaha ternak babi skala rumah tangga di Kecamatan Ende Timur, Kabupaten Ende

A survey focused on pig household scale business was carried out in East Ende District with the aim of: 1) knowing the farmers' income in pig household-scale business; 2) knowing the factors that influence the cash income of pig household-scale business and 3) knowing the level of efficiency of the use of production factors in pig household-scale business. Sampling is done applying multiple stages sampling. The first, determining the three villages purposively. The second, determining the 20 sample of farmers in each selected village by applying non-proportional random sampling to obtain 60 representative respondents. Data were analyzed using descriptive method approach and continued with income analysis, correlation - regression analysis and analysis of the efficiency of the use of production factors. The results showed that the total income of pigs was Rp30,924,132/year, of which 59.74% was cash income. Meanwhile, the factors that influence the cash income of farmers are the number of pigs and feed costs (P<0.05) while the capital and costs of cages and equipment have no significant effect (P>0.05). Furthermore, the use of production factors in pig household-scale business in Ende Timur District is technically efficient but not economically efficient. In order to achieve optimum levels of economic efficiency and income, it is necessary to reorganize the business through efforts of increasing the number of pigs raised. ABSTRAK Suatu survei tentang usaha ternak babi skala rumah tangga telah dilaksanakan di Kecamatan Ende Timur dengan tujuan untuk: 1) mengetahui besarnya pendapatan peternak pada usaha ternak babi skala rumah tangga; 2) mengetahui faktor-faktor yang berpengaruh pada usaha ternak babi skala rumah tangga dan 3) mengetahui tingkat efisiensi penggunaan faktor-faktor produksi pada usaha ternak babi skala rumahtangga. Pengambilan contoh dilakukan secara bertahap. Tahap pertama adalah penentuan tiga kelurahan/desa contoh secara purposif. Tahap kedua penentuan 20 peternak contoh pada tiap kelurahan/desa terpilih secara acak non proporsional sehingga diperoleh 60 peternak contoh representatif. Data dianalisis dengan menggunakan pendekatan metode deskriptif dan dilanjutkan dengan analisis pendapatan,   analisis korelasi– regresi serta analisis efisiensi penggunaan faktor- faktor produksi. Hasil penelitian menunjukkan bahwa total pendapatan usaha ternak babi adalah Rp30.924.132/tahun dimana 59,74% merupakan pendapatan tunai. Hasil analisis statistik menunjukkan bahwa faktor yang berpengaruh terhadap pendapatan tunai peternak adalah jumlah ternak babi yang dipelihara dan biaya pakan (P<0,05) sementara modal dan biaya kandang dan peralatan berpengaruh tidak nyata terhadap pendapatan tunai rumahtangga (P>0,05). Hasil analisis efisiensi menunjukkan bahwa penggunaan faktor produksi pada usaha ternak babi skala rumah tangga di Kecamatan Ende Timur sudah efisien secara teknis tetapi belum efisien secara ekonomis. Dalam rangka mencapai efisiensi ekonomi maka perlu dilakukan reorganisasi usaha melalui upaya peningkatan jumlah ternak babi yang dipelihara dengan anggapan faktor produksi lain tetap

NILAI EKONOMIS LARVA DARI FESES SAPI PADA AYAM BURAS

The purposes of this study were to assess the income difference between treatments in native chickens as well as the economic value and the effect of larvae growth media from fresh cow feces. Sixty four – four- weeks old native chicken were used in this study used 64 following a completely rendomized design with four traetments and four replicates. The treatments offered were: L0: commercial diet 100%; L1: commercial diet,75% +  larvae served atlibitum; L2: commercial diet, 50% + larvae served atlibitum; L3: commercial diet, 25%  + larvae served atlibitum. Parameters measured were economic efficiency, business productivity (cost, revenue, income, ROI and (R/C ratio)), and income over feed and chick cost (IOFCC). Analysis results the use of feed with different levels gives a real effect (P <0.05) on the acceptance and efficiency of village checken. From the results of the study it can be concluded that the addition of larvae in ad libitum and commercial diet of village chicken highest found in treatment L1. ABSTRAK Tujuan penelitian untuk mengetahui apakah terdapat perbedaan antara penerimaan ayam buras dari masing-masing perlakuan pakan yang diberikan, serta nilai ekonomis dan pengaruh pemberian media pertumbuhan larva dari feses sapi segar. Materi yang digunakan adalah 64 ekor ternak ayam buras yang berumur 4 minggu. Penelitian ini menggunakan Rancangan Acak Lengkap (RAL) dengan 4 perlakuan dan 4 ulangan sehingga terdapat 16 unit percobaan. Perlakuan yang dicobakan adalah: L0: ransum komersial 100%, L1: ransum komersial 75% + larva secara ad libitum, L2: ransum komersial 50% + larva secara ad libitum, L3: ransum komersial 25% + larva secara ad libitum. Parameter yang diukur yaitu efisiensi ekonomis (EE), produktivitas usaha (biaya, penerimaan, pendapatan, ROI dan  (R/C ratio)), dan income over feed and chick cost (IOFCC). Hasil analisis penggunaan pakan dengan level yang berbeda memberikan pengaruh yang nyata (P<0,05) terhadap penerimaan dan efisiensi ekonomis ayam buras. Dari hasil penelitian dapat disimpulkan bahwa penambahan larva secara ad libitum dan pakan komersil ayam buras  tetinggi terdapat pada perlakuan L1