Pengaruh Kredit Kupedes BRI Terhadap Produksi dan Pendapatan Usahatani Padi di Kecamatan Kroya, Indramayu

Abstract

Business in Indonesia can’t be separated from bank as intermediation institution. As also in Agribusiness, bank is needed as creditur institution. BRI is one of the creditur bank in Agribusiness with the loan product named Kupedes. One of the area which already experienced by Kupedes credit facility is Kroya Subsdistrict, as the largest rice producing centers in West Java. For the research concerning the effect of Kupedes credit with rice production and farm income in Kroya subsdistrict. This research aims to analyze the impact of Kupedes credit with rice production and farm income in Kroya subsdistrict. It uses quantitative analysis with Cobb – Douglass method and Principal Component Analysis to analyze production factor and to analyze the income uses R/C ratio method and t-test set to see the impact of credit to production. Based on this analyze, rice production influenced by land, seed, N substance, P substance, K substance, nutrition and labour. By the eight factors in two condition, all at before and after credit condition gives positive to production elasticity. For income analyze in two condition, before and after credit get more than one R/C ratio result, it’s describe that Kroya subsdistrict in two condition before and after credit rice farm have been efficient and profitable. Than for the credit influence, the result obtained that credit influence or affect production