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Pemahaman petani dalam menerapkan prinsip 5-C kaitannya dengan pengembalian kredit bidang agribisnis

Jurnal Keuangan dan Perbankan, Volume 14, Nomor 2, Mei 2010
Journal from JIPTUNMERPP / 2011-12-29 01:58:35
Oleh : Djoni ; Maman Rohman, Diploma 3 of Finance and Banking Merdeka University Malang (jurkubank@yahoo.com)
Dibuat : 2010-05-01, dengan 0 file

Keyword : 5-C principles, credit payback

The research aimed to find out the farmerÂ’s understanding of the 5-C principles application and of the credit payback in agricultural sector and its relationship. The method used was a survey method toward the consumer of BRI Unit Neglasari Kecamatan Salawu Kabupaten Tasikmalaya. The research location was purposively chosen considering that the location was the center of wood agroindustry where in the largest capital aid was given. The respondents were 21 people. The research was carried out from August to November 2008. The data collected was primary and secondary data. The primary data was tabulized and analyzed descriptively, and the relationship between the two variables was analyzed using non-parametric statistical test. The hypothesis was tested using the Rank SpearmanÂ’s Correlation Test. The results showed that the level of the farmerÂ’s understanding of the 5-C principles application, i.e. character, capacity, capital, condition of economy, and collateral, was classified medium. 13 people were classified medium and 8 people were classified high. There was relation between the level of people understanding of the 5-C principles application and the credit payback of the wood agroindustry. The result indicated that the higher the level of farmerÂ’s understanding of the 5-C principles application was, the higher the credit payback of the wood agroindustry would be.

Deskripsi Alternatif :

The research aimed to find out the farmerÂ’s understanding of the 5-C principles application and of the credit payback in agricultural sector and its relationship. The method used was a survey method toward the consumer of BRI Unit Neglasari Kecamatan Salawu Kabupaten Tasikmalaya. The research location was purposively chosen considering that the location was the center of wood agroindustry where in the largest capital aid was given. The respondents were 21 people. The research was carried out from August to November 2008. The data collected was primary and secondary data. The primary data was tabulized and analyzed descriptively, and the relationship between the two variables was analyzed using non-parametric statistical test. The hypothesis was tested using the Rank SpearmanÂ’s Correlation Test. The results showed that the level of the farmerÂ’s understanding of the 5-C principles application, i.e. character, capacity, capital, condition of economy, and collateral, was classified medium. 13 people were classified medium and 8 people were classified high. There was relation between the level of people understanding of the 5-C principles application and the credit payback of the wood agroindustry. The result indicated that the higher the level of farmerÂ’s understanding of the 5-C principles application was, the higher the credit payback of the wood agroindustry would be.

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PropertiNilai Properti
ID PublisherJIPTUNMERPP
OrganisasiDiploma 3 of Finance and Banking Merdeka University Malang
Nama KontakDra. Wiwik Supriyanti, SS
AlamatJl. Terusan Halimun 11 B
KotaMalang
DaerahJawa Timur
NegaraIndonesia
Telepon0341-563504
Fax0341-563504
E-mail Administratorperpus@unmer.ac.id
E-mail CKOwsupriyanti@yahoo.com

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  • Editor: Wiwik Supriyanti, Dra. SS.