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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 Solvi M. Makandolu; Johanes G. Sogen
JURNAL NUKLEUS PETERNAKAN Vol 2 No 1 (2015): Juni 2015
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/nukleus.v2i1.718

Abstract

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.
NILAI EKONOMIS LARVA DARI FESES SAPI PADA AYAM BURAS Rinto Laiya Sobang; Ni Putu F. Suryatni; Solvi M. Makandolu
JURNAL NUKLEUS PETERNAKAN Vol 5 No 1 (2018): Juni 2018
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/nukleus.v5i1.837

Abstract

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.
PEMANFAATAN PAKAN KONSENTRAT DALAM RANSUM SAPI BALI Edwin J. L Lasarus; Emma D. Wie Lawa; Solvi M. Makandolu
Jurnal Pengabdian Kepada Masyarakat Undana Vol 16 No 1 (2022): JURNAL PENGABDIAN KEPADA MASYARAKAT LP2M UNDANA
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jpkmlppm.v16i1.8077

Abstract

Abstrak Persepsi masyarakat kelompok tannin Amnelabubuk, kelurahan Naioni Kota Kupang tentang pemanfaatan pakan konsentrat dalam ransum ternak sapi masih rendah. Pengenalan teknologi pemanfaatan pakan konsentrat merupakan suatu inovasi yang diharapkan dapat diadopsi dengan baik oleh masyarakat peternak. Kegiatan pengabdian pada masyarakat ini dilakukan dengan tujuan meningkatnya pengetahuan dan pemahaman masyarakat kelompok tani Amnelabubuk memanfaatkan pakan konsentrat dalam meningkatkan produktivitas ternak sapi yang dipelihara. Kegiatan yang dilakukan meliputi penyuluhan dan pelatihan pakan konsentrat dalam ransum ternak sapi. Masyarakat peserta kegiatan sangat antusias dan mebuka diri untuk menerima inovasi baru dalam meningkatkan produktivitas ternak sapi yang dipeliharanya. Partisipasi aktif dan kemauan merubah pola pikir dan tingkahlaku setelah menerima transfer informasi dan teknologi yang disampaikan akan meningkatkan produktivitas usaha dan keuntungan ekonomi dari usaha pemeliharaan ternak sapi. Abstract Public perception of the farmers group of Amnelabubuk, Naioni Village, Kupang City regarding the use of concentrate feed in cattle rations is still low. The introduction of concentrate feed utilization technology is an innovation that is expected to be well adopted by the farming community. This community service activity is carried out with the aim of increasing the knowledge and understanding of the Amnelabubuk farmer group community using concentrate feed in increasing the productivity of the cattle that are kept. Activities carried out include counseling and training on concentrate feed in cattle rations. The community participating in the activity were very enthusiastic and open themselves to accept new innovations in increasing the productivity of the cattle they raise. Active participation and willingness to change mindsets and behavior after receiving the transfer of information and technology conveyed will increase business productivity and economic benefits from cattle raising business.