Studi Komparasi Kinerja Pengembangan Usaha Agribisnis Perdesaan Syariah dan Konvensional di Jawa Tengah

Dedi Junaedi, Nurul Huda, Ranti Wiliasih, S. Gatot Irianto

Abstract


English

Objectives of this research are exploring the motives in selecting financial scheme for rural agribusiness development (PUAP), identifying factors affecting PUAP performance, assessing performance differences between conventional PUAP and sharia PUAP in Central Java during the period of 2008-2011. The study was conducted in Banjarnegara, Banyumas, Jepara, Kendal and Purbalingga Regencies during the period from July to December 2012 applying both qualitative and quantitative methods with a dummy-variable multiple regression. A number of 185 LKMA PUAP managers were interviewed with a purposive sampling method. The result shows that PUAP Sharia was chosen for a religious consideration (40.6%), while conventional PUAP LKMA was based on practical (35.3%) and economic reasons (30.2%). Free financing schemes (sharia) variable, LKMA age, number of members, manager’s age and education level, capital, cost of credit, debt, and region were simultaneously and significantly affected the LKMA performance. Partially, effects of each independent variable on the performance are various. Based on liquidity (Quick Ratio) and profitability (Net Profit Margin) aspects, the sharia PUAP shows better performance than the conventional PUAP. The Sharia scheme only shows a negative correlation with the performance of the activity (Asset Turn Over). Solvabilities (Debt Equity Ratios) of both sharia and the conventional show no real effect.


Indonesian

Riset ini bertujuan untuk mengeksplorasi motif pemilihan skema pembiayaan Pengembangan Usaha Agribisnis Perdesaan (PUAP), mengetahui faktor apa saja yang memengaruhi  kinerja PUAP, serta menguji apakah kinerja PUAP syariah  berbeda dengan PUAP konvensional di Jawa Tengah tahun 2008-2011. Penelitian dilakukan di Kabupaten Banjarnegara, Banyumas, Jepara, Kendal, dan Purbalingga selama periode Juli-Desember 2012, menggunakan metode kualitatif dan kuantitatif dengan pendekatan multiple regression dummy variable. Sebanyak 185 manajer LKMA PUAP menjadi responden penelitian ini dengan pendekatan  purposive sampling. Hasil riset menunjukkan PUAP syariah dipilih karena motif pertimbangan agama (40,6%), sementara LKMA PUAP konvensional dipilih alasan praktis (35,3%) dan ekonomi (30,2%). Variabel bebas skema pembiayaan (Sharia), usia LKMA, jumlah anggota, usia dan pendidikan manajer, modal, biaya, kredit, utang, dan kawasan secara simultan berpengaruh nyata terhadap kinerja LKMA. Secara parsial, pengaruh setiap variabel bebas terhadap kinerja bervariasi. Dari sisi likuiditas (Quick Ratio) dan profitabilitas (Net Profit Margin), kinerja PUAP syariah relatif lebih baik dari yang konvensional. Skema  syariah hanya berkorelasi negatif dengan kinerja aktivitas (Asset Turn Over). Dan, terhadap kinerja solvabilitas (Debt Equity Ratio), syariah dan konvensional tidak berbeda nyata.

Keywords


agribisnis; likuiditas; LKMA; profitabilitas; PUAP; solvabilitas; syariah; agribusiness; liquidity; microfinance; profitability; PUAP; sharia; solvability

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DOI: http://dx.doi.org/10.21082/jae.v30n2.2012.183-199

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