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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.
Kinerja Faktor Produksi Kopi Arabika (Coffea arabica L.) di Lembah Gumanti, Kabupaten Solok, Sumatera Barat Afrianingsih Putri; Yusmani Yusmani; Cindy Paloma; Zelfi Zakir
Industria: Jurnal Teknologi dan Manajemen Agroindustri Vol 7, No 3 (2018)
Publisher : Department of Agro-industrial Technology, University of Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (491.374 KB) | DOI: 10.21776/ub.industria.2018.007.03.7

Abstract

Abstrak Produk agroindustri komoditi kopi memiliki prospek untuk dikembangkan di pasar domestik dan internasional. Namun, untuk pengembangkan sektor tersebut masih mengalami berbagai masalah mulai dari ketersediaan bahan baku hingga saat produk dipasarkan. Pasokan bahan baku kopi harus didukung oleh produksi kopi. Pemilihan dan kombinasi penggunaan faktor produksi secara optimal dan efisien menentukan jumlah produksi kopi. Namun, saat ini masih ada petani kopi yang belum mengoptimalkan penggunaan faktor produksi. Kabupaten Solok sebagai salah satu daerah penghasil kopi Arabika di Sumatera Barat dan Kecamatan Lembah Gumanti adalah penghasil kopi utama di daerah tersebut. Tujuan penelitian ini untuk menganalisis faktor yang memengaruhi produksi kopi Arabika dengan metode survei pada 30 petani kopi yang dipilih secara acak sederhana. Variabel yang digunakan dalam penelitian yakni jumlah produksi, produktifitas, penggunaan pupuk urea, modal, pengalaman berusaha tani dan tenaga kerja. Penelitian menggunakan data primer dan sekunder yang kemudian dianalisis secara kuantitatif dengan menggunakan model fungsi Cobb Douglass. Hasil analisis menyatakan variabel produktifitas, modal dan tenaga kerja dengan nilai koefisien masing-masing 0,981; 2,279 dan 3,140 berpengaruh terhadap produksi kopi. Variabel umur tanaman dan penggunaan pupuk urea  dengan koefisien 0,098 dan 0,131 berpengaruh positif sedangkan pengalaman berusaha tani dengan koefisien -0,290 berpengaruh negatif tapi variabel tersebut tidak signifikan.Kata kunci: agroindustri, kopi, faktor produksi Abstract Agroindustry product that has the potential to be developed in the domestic and international market is the coffee commodity. This commodity has various problems such as the availability of raw materials, product marketing, and other issues. The supply of coffee raw materials must be supported by coffee production. With selecting and combining production factors optimally can determine coffee production. However, in reality, coffee farmers still cannot optimize the use of production factors. Lembah Gumanti district at Solok regency is one of the Arabica coffee producers in West Sumatra. This study aims to determine the factors that affect Arabica coffee production. The method used is a survey method with a sample of 30 coffee farmers selected by simple random sampling. Variables used in this study is total production, land area, the use of urea fertilizer, capital, farmer experience, and labor. The data collected are primary and secondary data which then analyzed quantitatively by using Cobb Douglass function model. The analisys showed that productivity, capital and labor variables have a significant effect on coffee production with coefficients of 0.981; 2.279 and 3.140. Plant age variables and the use of urea fertilizer have a positive impact with a coefficient value of 0.098 and 0.131 while the farmer experience variable has a coefficient of -0.290 and not have a significant impact on coffee production.Keywords: agroindustry, coffee, production factor 
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.
Perilaku Konsumen dalam Membeli Kopi di Masa Pandemi Covid-19 pada Coffee Shop Kota Padang Afrianingsih Putri; Hasnah Hasnah; Cindy Paloma; Yusmarni Yusmarni
Jurnal Ekonomi Pertanian dan Agribisnis Vol 5, No 4 (2021)
Publisher : Department of Agricultural Social Economics, Faculty of Agriculture, Brawijaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.jepa.2021.005.04.32

Abstract

Kondisi pandemi Covid-19 berdampak terhadap perilaku konsumen penggemar kopi, terutama konsumen yang  melakukan pembelian di coffee shop. Penelitian ini bertujuan untuk mengidentifikasi motivasi konsumen dalam membeli kopi dan mengidentifikasi proses pengambilan keputusan konsumen dalam membeli kopi pada  coffee shop di Kota Padang selama masa pandemi. Metode yang digunakan adalah metode survei terhadap 100 konsumen kopi di 10 coffee shop (Coffee Shop Janji Jiwa, Kopi Rasa, Kopi dari Hati, Kupi Batigo, Rimbun Espresso & Brew Bar, Kubik Koffie, Bacarito Kopi, Dua Pintu Coffee, Lalito Coffe Bar, V Coffee) di Kota Padang. Variabel  yang digunakan adalah motivasi membeli serta tahapan proses pengambilan keputusan ( pengenalan kebutuhan, pencarian informasi, evaluasi alternatif, proses pembelian dan pasca pembelian).  Data dianalisis menggunakan statistika deskriptif dari hasil tabel distribusi frekuensi. Hasil penelitian menunjukkan motivasi konsumen untuk membeli karena suasana yang nyaman, menghilangkan kejenuhan dan rasa kopi dengan jenis kopi yang banyak dibeli yakni espresso based jenis latte (47%) dan manual brew jenis cold brew (29%). Dalam proses pengambilan keputusan pembelian pada tahap pengenalan kebutuhan,manfaat yang dominan dicari konsumen adalah rasa enak (60%). Pada tahap pencarian informasi, pembelian kopi hampir sebagian besar berdasarkan info dari teman (63%) dan adanya pengaruh media sosial (67%). Tahap evaluasi  alternatif, konsumen memilih pertimbangan kenyamanan tempat (53%). Pada tahap proses pembelian, konsumen memilih rasa produk yang enak, tempat yang nyaman dengan memperhatikan protocol kesehatan. Tahap pasca pembelian sebagian besar merasa puas terhadap kopi yang dibeli dan 92% responden akan membeli lagi.Kata kunci : perilaku konsumen, coffee shop, motivasi
KAJIAN KERAGAAN PETANI KOPI SOLOK RADJO DI KECAMATAN LEMBAH GUMANTI KABUPATEN SOLOK Cindy Paloma; Rini Hakimi; Vonny Indah Mutiara; Helmi Helmi
Agros Journal of Agriculture Science Vol 25, No 2 (2023): edisi April
Publisher : Fakultas Pertanian, Universitas Janabadra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37159/jpa.v25i2.2732

Abstract

Coffee is a crop with great potential to be developed because it has an international market share. Lembah Gumanti District is one of the coffee-producing areas in Solok Regency, where the Solok Radjo Cooperative fosters it. This study aims to determine the characteristics of coffee farmers and the performance of coffee farming in the Lembah Gumanti sub-district. The research used a survey method and collected samples of 70 farmers by purposive sampling. The results showed that most of the farmers (41 percent) were in the elderly range of 51-60 years, had a low level of education, their main livelihood was in the agricultural sector, and had more than 20 years of farming experience. Demonstrations of coffee farming include planting patterns on the edge of the land, in between horticultural crops such as chilies, potatoes, cabbage ,and onions, as Welland coffee in monoculture. The age of coffee plants ranges from 3-5 years, which at this age h has not experienced maximum production at this ages; the existence of the Solok Radjo cooperation is in the moderate category, in which farmers get seeds, fertilizer, and a place to market coffee production, but have yet reached the benefits of guaranteeing coffee price stability. For the development of coffee in the Lembah Gumanti District, farmers hope that there will be a guarantee for a more stable coffee selling price so that the income contribution from the coffee plant increases.Kopi merupakan tanaman yang sangat potensial untuk dikembangkan, karena memiliki pangsa pasar internasional. Kecamatan Lembah Gumanti merupakan salah satu daerah penghasil kopi di Kabupaten solok, dimana dibina oleh Koperasi Solok Radjo. Penelitian ini bertujuan untuk mengetahui karakteristik petani kopi dan keragaaan usahatani kopi di kecamatan Lembah Gumanti. Metode penelitian menggunakan metode survei dan pengambilan sampel 70 petani secara purposive sampling. Hasil penelitian menunjukkan bahwa sebagian besar petani (41 persen) berada di rentang usia lanjut 51-60 tahun, tingkat pendidikan rendah, mata pencarian utama di sektor pertanian dan sudah memiliki pengalaman usahatani lebih dari 20 tahun. Keragaan usahatani kopi diantaranya melakukan pola penanaman di pinggir lahan, di sela dengan tanaman hortikultura seperti cabe, kentang, kol dan bawang, serta penanaman kopi secara monokultur. Umur tanaman kopi berkisar antara 3-5 tahun, yang mana pada umur ini belum mengalami produksi maksimal. Manfaat keberadaan koperasi Solok Radjo berada pada kategori sedang, yang mana petani mendapatkan bibit, pupuk dan tempat memasarkan hasil produksi kopi, namun belum sampai pada manfaat penjaminan kestabilan harga kopi. Untuk pengembangan kopi di Kecamatan Lembah Gumanti petani berharap terdapat jaminan harga jual kopi yang lebih stabil agar kontribusi pendapatan dari tanaman kopi meningkat.
ROADMAP PENGEMBANGAN KOPI DI KAB. SOLOK SELATAN Yulistriani Yulistriani; Yaherwandi Yaherwandi; Cindy Paloma
Jurnal AGRISEP JURNAL AGRISEP VOL 18 NO 02 2019 (SEPTEMBER)
Publisher : Badan Penerbitan Fakultas Pertanian, Universitas Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (211.375 KB) | DOI: 10.31186/jagrisep.18.2.279-288

Abstract

Coffee is an important commodity as a source of foreign exchange and regional income. Solok Selatan district the second largest coffee producer after Solok district in West Sumatra. But the potential for coffee development in Solok Selatan district  has not been clearly mapped before. Therefore this study aims is to analyze the potential for coffee development and construct a roadmap for coffee development in Solok Selatan district. This study uses primary and secondary data. For the first purpose, an in-depth interviews were conducted using the purposive sampling method and FGD (Focus Group Discussion) with coffee stakeholders, such as the coffee traders, farmers, agriculture counselor, the government and NGOs (Non-Governmental Organizations). The data, which is a results of interviews and FGDs are grouped into internal and external factors and then analyzed using the SWOT (Strengths-weaknesses-opportunities-threats) analysis to answer the second goal. The analysis results show that the Solok selatan district coffee commodity has potential to be developed because it have a unique flavor of lemon and casiavera. It is necessary to do several stages to develop of Solok Selatan coffee, namely product diversifications, build a coffee center outlets, and design an attractive coffee tourism areas. Thus, the existing potential is expected to develop optimally and Solok Selatan district can be known as one of the “coffee village” in West Sumatra.
PENGARUH AKSESIBILITAS PEMBIAYAAN TERHADAP PENDAPATAN PETANI KOPI DI LEMBAH GUMANTI, KABUPATEN SOLOK Cindy Paloma; Yusmarni Yusmarni; Ami Sukma Utami; Hasnah Hasnah
Jurnal AGRISEP JURNAL AGRISEP VOL 19 NO 02 2020 (SEPTEMBER)
Publisher : Badan Penerbitan Fakultas Pertanian, Universitas Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (274.516 KB) | DOI: 10.31186/jagrisep.19.2.301-314

Abstract

Capital is one of the most important factors for increasing coffee production. Coffee farmers accessibility to resources financing is still limited. Farmers are considered not bankable by financial institutions.This condition hampering them to manage and develope coffee farm. This study aims to : 1) analyze the characteristics of coffee farmer in the Lembah Gumanti District , 2) analyze factors that influence coffee farmers income in Lembah Gumanti District. The study was conducted in Solok Regency which is the largest coffee production in West Sumatra. This study using 30 samples of coffee farmers selected by simple random sampling method. Descriptive analysis and multiple regression analysis are used to answer the research question. Based on the results of descriptive analysis, the characteristics of coffee farmers is: farmer who in productive age with a low level of education, have family members ranged from 2-6 people, 90% of coffee farmer have experience under 5 years, 93% of coffe farmer capital comes from own capital and 3% of coffe farmer capital from loan. Based on the multiple regression output, access to financial institutions , labor, farming experience, age, education, productivity, cost of farming, capital source, coffee bean prices and plants age variabels, simultaneously affected and significant to coffee farmers income. In Partial test, labor, number of trees, cost of farming and source of capital have a significant effect on coffee farmer income. The labor factor, the number of trees and the source of capital have a positive effect while the cost of farming has a negative effect. Farmer access to financial institutions is negative and not significant to income, because 63% of coffee farmers dont have access to financial institutions, and 36% of farmers who have access to financial institutions not using loan funds for farming, but for other needs, such as household consumption.
STUCTURAL EQUATION MODELING-PARTIAL LEAST SQUARE-UNTUK PERMODELAN PENGARUH KOMPETENSI KEWIRAUSAHAAN TERHADAP KINERJA USAHA KEDAI KOPI SKALA KECIL DI KOTA PADANG Cindy Paloma; Yusmarni Yusmarni; Afrianingsih Putri; Hasnah Hasnah
Jurnal AGRISEP JURNAL AGRISEP VOL 21 NO 02 2022 (SEPTEMBER)
Publisher : Badan Penerbitan Fakultas Pertanian, Universitas Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (534.188 KB) | DOI: 10.31186/jagrisep.21.2.283-296

Abstract

During the COVID-19 pandemic, the growth of small-scale coffee shops has increased in Padang city. This condition indicates the high level of coffee consumption and the increased competition of coffee shops. A good entrepreneurship competency is needed to improve business performance. This research aims to analyze the influence of entrepreneurial competency on small-scale coffee shop business performance in Padang City. This research used an Entrepreneurial competency model influenced by psychological characteristics (indicated by motivation, achievement, socialize need) and environmental factors (characterized by social net, government policy, and supply). The business performance model is influenced by entrepreneurial competency (managerial skill, conceptual skill, social skill, decision-making skill, and time managerial skill)  and environmental factors. This research used a snowball sampling method of 100 data samples of small-scale coffee shops (owner and barista) in Padang City from April until May 2021. The data was then analyzed by SEM-PLS analysis with SMART PLS 3.3 software. The result showed that psychological characteristics and environmental factors influenced the entrepreneurial competency in small-scale coffee shops. The business performance was influenced by entrepreneurial competency and environmental factors in the small-scale model. The results also show that the model was used in this research has a Model Fit of 84%.
Analisis Perilaku Konsumen terhadap Keputusan Pembelian Sayuran Hidroponik di Kota Padang Cindy Paloma; Syahyana Raesi; Yusmarni Yusmarni
Journal of Agribusiness and Community Empowerment (JACE) Vol. 6 No. 2 (2023): September
Publisher : Politeknik Pertanian Negeri Payakumbuh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32530/jace.v6i2.681

Abstract

Hidroponik merupakan sayuran yang mendukung pola hidup sehat masyarakat perkotaan. Supermarket modern menjual produk sayuran hidroponik dari berbagai produsen dengan harga yang bersaing. Penelitian ini bertujuan untuk menganalisis perilaku konsumen terhadap pengambilan keputusan pembelian sayuran hidroponik di Kota Padang. Penelitian dilakukan bulan April-Mei 2023 di 4 supermarket di Kota Padang, kepada 100 konsumen. Variabel yang digunakan adalah  tahapan proses pengambilan keputusan yang dianalisis dengan statistik deskriptif dari tabulasi distribusi frekuensi. Hasil penelitian ini menunjukkan karakteristik konsumen adalah 37% berada pada rentang umur 20-30 tahun, 85% perempuan, berpendidikan dan berpenghasilan tinggi. Perilaku konsumen sayuran hidroponik, dalam pengambilan keputusan dimulai dari tahapan pengenalan kebutuhan, yang mementingkan pola makanan sehat. Tahapan kedua, pencairan informasi dilakukan secara aktif dengan mengunjungi supermarket modern yang ada di kota Padang, karena pentingnya kepedulian konsumen terhadap konsumsi sayuran hidroponik dan keyakinan keaslian produk hidroponik. Tahapan ketiga pada evaluasi alternatif  yaitu alasan tujuan pembelian  menunjang pola hidup  sehat masyarakat perkotaan, tahapan keempat keputusan pembelian sayuran hidroponik frekuensinya lebih dari 3 kali selama satu bulan, dan memilih supermarket modern karena nyaman untuk dikunjungi dan jam operasional supermarket lebih lama. Tahapan kelima perilaku pasca pembelian, konsumen sangat puas terhadap sayuran hidroponik yang ada di supermarket dan 82 persen akan melakukan pembelian secara rutin. Pola hidup sehat pada masyarakat perkotaan melalui konsumsi sayuran hidroponik, mendatangkan manfaat bisnis bagi produsen dan pemasok (supermarket).
ANALISIS RISIKO PASCA PANEN TANDAN BUAH SEGAR (TBS) KELAPA SAWIT DI KABUPATEN DHARMASRAYA . Yulistriani; Cindy Paloma; . Hasnah
Agrifo : Jurnal Agribisnis Universitas Malikussaleh Vol 3, No 1 (2018): April 2018
Publisher : LPPM Universitas Malikussaleh – Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29103/ag.v3i1.676

Abstract

One of the risks often faced by palm oil agribusiness is the post harvest risk of losing fresh fruit bunches (FFB) from each post-harvest chain (loss post-harvest). Palm oil which is a mainstay of plantation crops Dharmasraya region, its production from year to year is always the largest compared with other commodities. However, in 2015 palm oil production was decrease compared to the previous year. This study aims to analyze farmers' management capability in palm oil management, analyze the large loss of FFB yields in each chain from farmer (harvest) to final processing plant, analyze the probability and impact of post-harvest loss FFB and post-harvest post-harvest status in each post-harvest chain (stage). The large percentage of production losses to the total production of FFB produced is 3.85% for the land, 0.05% for the process of crude FFB checking (TPH), and 5.5% in the factory sorting (PKS). The impact of losses resulting from post-harvest loss of FFB in total per hectare of land is Rp 2,848,528,41 at factory sorting, and is the biggest loss compared to other chains.