Usman, Yusri
Agribussines Department, Andalas University Kampus Limau Manis, Andalas University, Padang 25163, West Sumatra, Indonesia

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The Mapping of Microfinance Institutions for Supporting Sustainable Agriculture Financing in Padang City Azriani, Zednita; Paloma, Cindy; Usman, Yusri
Jurnal Agro Ekonomi Vol 35, No 1 (2017): Jurnal Agro Ekonomi
Publisher : Pusat Sosial Ekonomi dan Kebijakan Pertanian

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21082/jae.v35n1.2017.1-10

Abstract

IndonesianLembaga Keuangan Mikro (LKM) merupakan salah satu alternatif pembiayaan bagi. Pemetaan LKM sangat penting untuk menghindari terjadinya tumpang tindih program yang membantu peran LKM. Penelitian ini bertujuan untuk melakukan pemetaan terhadap LKM di Kota Padang dengan GIS dan mendeskripsikan efektivitas pengelolaan LKM di Kota Padang. Data dikumpulkan melalui wawancara dengan setiap institusi LKM dan pihak terkait. Penelitian menghasilkan suatu situs web yang berhubungan dengan LKM di Kota Padang, sehingga hasil dan gambaran pemetaan LKM dapat dilihat di “lkmsumbar.org”. Lokasi LKM menyebar di sekitar pemukiman nasabah. Manajemen LKM ditinjau dari segi aksesibilitas, ketaatan terhadap peraturan, tingkat kepatuhan terhadap manajemen, tingkat pelayanan, alokasi penggunaan dana kredit, serta manfaat dana kredit. Hasilnya menunjukkan bahwa akses petani terhadap LKM agribisnis cukup baik, sebagaimana dapat dilihat dari kesesuaian antara jumlah kredit yang diajukan dan disetujui. Tingkat kepatuhan anggota terhadap pengurus dan peraturannya cukup bagus. Tingkat layanan pengurus dianggap tidak baik dan tidak efektif dalam meladeni anggota. Dana pinjaman lebih banyak digunakan oleh anggota untuk menambah modal dan sebagian mungkin digunakan untuk memenuhi kebutuhan mendesak rumah tangga.EnglishMicrofinance institutions (MFIs) are financing alternatives for farmers. Mapping MFIs is useful to avoid overlapping of the MFIs supporting programs. This study aims to mapping MFIs in Padang City with GIS, and to describe the management effectiveness. Data were collected using in-depth interviews with each micro-credit institution and their related parties. This research produces a website of the MFI mapping as can be seen on “lkmsumbar.org”. The MFIs locations spread around the settlement of the MFI’s clients. The effectiveness of MFI's management is viewed in terms of the member accessibility, level of adherence to the rule of law, level of compliance to the management, management service level, allocation of the use of credit funds, and the benefits of credit funds. The results show that farmers' access to the agribusiness MFI-As is quite good, which can be seen from the consistency between the amount of credit proposed and approved. The members’ compliance to the board and the rules is quite good. The service level of the board is not good and not effective in serving the members. The loan is mostly used for business capital and some may be used for funding household urgent needs.
Analysis of Marketing Efficiency of Garlic from Nagari SalayoTanang Bukik Sileh Sub District of Lembang Jaya District of Solok Yusri Usman
JERAMI Indonesian Journal of Crop Science Vol 3 No 1 (2020): JIJCS
Publisher : Department of Crop Science, Faculty of Agriculture, Andalas University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25077/jijcs.3.1.20-24.2020

Abstract

This study aims to describe the marketing channel of garlic from Nagari SalayoTanang Bukik Sileh and to analyze the efficiency of the marketing channel. The study used a survey method, and data were gathered from 30 farmers who chose randomly from 103 farmers and intermediary traders. The research finds that there are four types of marketing channels of garlic in the area. The market channels are as follows: 1) Farmers → Breeders → Farmers, 2) Farmers →wholesalers→Retailers→ Consumers, 3) Farmers → Retailers (in the form of dried onions) → Consumers, 4) Farmers → Retailers → Consumers. Moreover, there is no proportional shared profit among the four marketing channels. Farmers received lower earnings than their proportionate profits, but on the other hand, the benefits received by breeders, wholesalers, and retailers were higher than their proportional profits, so that the marketing channels were inefficient.
The Mapping of Microfinance Institutions for Supporting Sustainable Agriculture Financing in Padang City Zednita Azriani; Cindy Paloma; Yusri Usman
Jurnal Agro Ekonomi Vol 35, No 1 (2017): Jurnal Agro Ekonomi
Publisher : Pusat Sosial Ekonomi dan Kebijakan Pertanian

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (419.234 KB) | DOI: 10.21082/jae.v35n1.2017.1-10

Abstract

IndonesianLembaga Keuangan Mikro (LKM) merupakan salah satu alternatif pembiayaan bagi. Pemetaan LKM sangat penting untuk menghindari terjadinya tumpang tindih program yang membantu peran LKM. Penelitian ini bertujuan untuk melakukan pemetaan terhadap LKM di Kota Padang dengan GIS dan mendeskripsikan efektivitas pengelolaan LKM di Kota Padang. Data dikumpulkan melalui wawancara dengan setiap institusi LKM dan pihak terkait. Penelitian menghasilkan suatu situs web yang berhubungan dengan LKM di Kota Padang, sehingga hasil dan gambaran pemetaan LKM dapat dilihat di “lkmsumbar.org”. Lokasi LKM menyebar di sekitar pemukiman nasabah. Manajemen LKM ditinjau dari segi aksesibilitas, ketaatan terhadap peraturan, tingkat kepatuhan terhadap manajemen, tingkat pelayanan, alokasi penggunaan dana kredit, serta manfaat dana kredit. Hasilnya menunjukkan bahwa akses petani terhadap LKM agribisnis cukup baik, sebagaimana dapat dilihat dari kesesuaian antara jumlah kredit yang diajukan dan disetujui. Tingkat kepatuhan anggota terhadap pengurus dan peraturannya cukup bagus. Tingkat layanan pengurus dianggap tidak baik dan tidak efektif dalam meladeni anggota. Dana pinjaman lebih banyak digunakan oleh anggota untuk menambah modal dan sebagian mungkin digunakan untuk memenuhi kebutuhan mendesak rumah tangga.EnglishMicrofinance institutions (MFIs) are financing alternatives for farmers. Mapping MFIs is useful to avoid overlapping of the MFIs supporting programs. This study aims to mapping MFIs in Padang City with GIS, and to describe the management effectiveness. Data were collected using in-depth interviews with each micro-credit institution and their related parties. This research produces a website of the MFI mapping as can be seen on “lkmsumbar.org”. The MFIs locations spread around the settlement of the MFI’s clients. The effectiveness of MFI's management is viewed in terms of the member accessibility, level of adherence to the rule of law, level of compliance to the management, management service level, allocation of the use of credit funds, and the benefits of credit funds. The results show that farmers' access to the agribusiness MFI-As is quite good, which can be seen from the consistency between the amount of credit proposed and approved. The members’ compliance to the board and the rules is quite good. The service level of the board is not good and not effective in serving the members. The loan is mostly used for business capital and some may be used for funding household urgent needs.