Determinasi Besaran Kredit dan Perbedaan Keuntungan Usahaternak Sapi Perah pada Kelompok Los Cimaung Kecamatan Pangalengan Kabupaten Bandung

Abstract

Kredit menjadi solusi likuiditas atas keterbatasan modal usahaternak sapi perah rakyat. Penelitian ini bertujuan menganalisis determinan besaran kredit dan perbedaan keuntungan usahaternak antara peternak pengguna kredit dan non-kredit di Kelompok Los Cimaung. Data 58 sampel yang ditarik melalui metode cluster sampling dianalisis menggunakan regresi Tobit dan uji t-independen. Hasil regresi Tobit menunjukkan luas kandang berpengaruh positif, sedangkan jumlah tanggungan keluarga dan tenaga kerja berpengaruh negatif signifikan terhadap besaran kredit. Variabel jenis kelamin secara statistik tidak berpengaruh nyata. Selanjutnya, hasil uji t-independen membuktikan tidak ada perbedaan yang nyata pada komponen penerimaan tunai, total biaya, keuntungan tunai, maupun keuntungan total per ekor laktasi per bulan antara kedua kelompok peternak. Keuntungan tunai peternak pengguna kredit yang sebesar Rp488.319 dan non kredit sebesar Rp461.757 terbukti tidak berbeda secara signifikan. Kredit di lokasi penelitian murni berfungsi sebagai jaring pengaman operasional untuk mempertahankan standar asupan pakan, bukan sebagai pengungkit keuntungan.

Credit serves as a liquidity solution for capital constraints in smallholder dairy cattle farming. This study aims to analyze the determinants of credit amount and profit differences between credit user and non-credit user farmers in the Los Cimaung Group. Data from 58 samples, selected through cluster sampling, were analyzed using Tobit regression and independent sample t-tests. The Tobit regression results showed that barn area had a significant positive effect, while the number of family dependents and labor had a significant negative effect on the credit amount. The gender variable had no statistically significant effect. Furthermore, the independent sample t-test proved that there were no significant differences in the components of cash receipts, total costs, cash profits, and total profits per lactating cow per month between the two farmer groups. The cash profit of credit users at IDR 488,319 and non-credit users at IDR 461,757 was proven not to differ significantly. Credit in the research area purely functions as an operational safety net to maintain standard feed intake, rather than as leverage for profit.