SKRIPSI PBS

EFEKTIFITAS PEMBIAYAAN SEKTOR AGRIBISNIS DALAM MENINGKATKAN PENDAPATAN PETANI DI KECAMATAN SELO KABUPATEN BOYOLALI (Studi Kasus Bank Jateng Syariah Cabang Boyolali)

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ABSTRACT

This study aims to identify financing opportunities and obstacles in the
agribusiness sector in Boyolali District as well as the effectiveness of agribusiness
financing provided by financial institutions on farmers' income. This study used a
qualitative method supported by quantitative data. This study used both primary data
and secondary data. Data were collected through interviews and documentation. The
data were tested for validity using the triangulation technique. Then, the data were
also crossed check. The results of this study showed that in carrying out the
agribusiness financing, Bank Jateng Syariah faced the following obstacles, namely 1)
the agribusiness sector is a risky business sector, 2) the length of time in the
agribusiness sector, 3) the agribusiness sector requires large input costs, and 4) Lack
of qualified human resources.
The effectiveness of agribusiness financing is seen from some aspects. The first
is usefulness. Islamic Banks provide capital to meet the short-term production needs
of food and non-food crops. The second aspect is accuracy and objectivity. Problems
with access to agricultural credit and banks’ low interest are caused by non-well
targeted credit. The third aspect is scope. Distributing agribusiness financing face
many obstacles. The fourth aspect is cost-effectiveness. Farmers lack knowledge of
Islamic banking due to the location of the bank which is far. The fifth aspect is
accountability. Based on the total financing in Islamic banks in 2019-2021, financing
in the agribusiness sector continues to increase. The last aspect is punctuality. In
terms of payment of financing in the agribusiness sector, everything went smoothly
and with no problems.
The distribution of agribusiness financing by Bank Jateng Syariah is less
effective as it is still below 2%. However, the percentage increases each year and can
be said to be effective as the total agribusiness financing increases each year too. In
terms of the effectiveness of agribusiness financing in increasing farmers' income in
Selo Sub-district, Boyolali District, it can be said to be effective. The income proposed
by the procurement of goods and production facilities increased compared to the
previous income of 50%. Then, income from the farming business also increases
compared to the previous income of 36%. Meanwhile, the income proposed by
Processing increases from the previous income of 50% and the income proposed by
Marketing also increases from the previous income of 15%.
Keywords: Farmer's Income, Opportunities and Obstacles, Effectiveness of
Agribusiness Financing, Distribution of Agribusiness Financing.

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Ketersediaan

Tidak ada salinan data

Informasi Detail

Judul Seri

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No. Panggil

2X6.1 ANA e 22

Penerbit

SUKOHARJO : Perbankan Syariah_UIN RM Said., 2022

Deskripsi Fisik

21 cm, 128 halaman

Bahasa

Indonesia

ISBN/ISSN

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Klasifikasi

2X6.1

Tipe Isi

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Tipe Media

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Tipe Pembawa

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Edisi

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Subjek

Perbankan Syariah

Info Detail Spesifik

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Pernyataan Tanggungjawab

Analis Yusuf Prasetyo

Versi lain/terkait

Lampiran Berkas

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