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All Journal Jurnal Lahan Suboptimal Resona : Jurnal Ilmiah Pengabdian Masyarakat Jurnal Pertanian Agros
Mirza Antoni
Dosen Jurusan Sosial Ekonomi Pertanian Universitas Sriwidjaya
Agriculture, Biological Sciences & Forestry Arts Humanities

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Studi Empiris pada Pola Sumber Dana untuk Pembiayaan Usahatani Padi di Sumatera Selatan Maryanah Hamzah; Agustina Bidarti; Erise Anggraini; Mirza Antoni
Jurnal Lahan Suboptimal : Journal of Suboptimal Lands Vol. 7 No. 2 (2018): JLSO
Publisher : Research Center for Sub-optimal Lands (PUR-PLSO), Universitas Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (557.158 KB) | DOI: 10.33230/JLSO.7.2.2018.357

Abstract

Hamzah et al, 2018. Empirical Study on the Pattern of Funding Sources for Rice Farming in South Sumatra. JLSO 7(2):196-203. The objective of the study was to identify the source and size of the financing portion of the rice farming from the loan and the terms and the interest rate charged. The interviews were conducted on 75 samples of rice farmers whose farming costs were partly derived from loans at three different land ecosystems in South Sumatra Province. The three types of ecosystems viz., tidal swamp land, technical irrigation, and swamp land were used in the study.  The results showed that there were seven financing sources that farmers used for fulfill their production cost if they not enough capital. Middlemen was biggest source with a portion of 45.28% and their own costs of 43.52, the rest is relatively small comes from money lenders, families, rice milling units, cooperative and friends. The interest rate charged varies from 3% to 50% per planting season. The lowest interest rate on lending money was to cooperatives and middlemen. However, if farmers borrow from middlemen, they must sell their rice to them. The highest interest rate from money lenders is 50%. All loans were being paid at after harvested time. Only borrow to families and friends were not charged interest and other terms. Farmers were forced to use non-formal lending institutions because banks located far away and they were afraid to come to the bank. It is suggested to reduce the dependence of rice farmers on non-formal lending institutions through developing a more effective agricultural cooperative.       
PENENTUAN HARGA MINIMUM BAHAN OLAHAN KARET DI TINGKAT PETANI DI KABUPATEN MUARA ENIM Muhammad Febriansyah Ibrahim; Mirza Antoni; Muhammad Yamin
Agros Journal of Agriculture Science Vol 24, No 3 (2022): Edisi Oktober
Publisher : Fakultas Pertanian, Universitas Janabadra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37159/jpa.v24i3.2259

Abstract

Penelitian ini bertujuan menganalisis besarnya kontribusi pendapatan karet terhadap pendapatan total petani karet di Kabupaten Muara Enim dan untuk menganalisis harga minimum bahan olahan karet berdasarkan harga pokok produksi, pengeluaran konsumsi, dan jumlah produksi karet di Kabupaten Muara Enim. Penelitian ini dilakukan di Kabupaten Muara Enim, Kecamatan Gelumbang dan Kecamatan Rambang Niru. Penelitian ini menggunakan metode survei dan wawancara yang terstruktur, menggunakan kuesioner yang dibuat sesuai kebutuhan tema. Responden pada penelitian ini adalah petani karet sebanyak 92 responden, yang berfokus kepada 2 kecamatan yang memiliki produktivitas tertinggi, di sini di 1 kecamatan akan diambil 2 desa. Hasil penelitian menunjukkan bahwa pada kontribusi pendapatan usahatani karet besarnya rata-rata total pendapatan petani karet sebesar Rp 24.040.402/th dengan kontribusi pendapatan di luar usahatani sebesar Rp 7.526.087/th atau dengan persentase 31,3% lebih rendah dibandingkan dengan usahatani karet sebesar Rp 16.514.315. atau dengan persentase 68,7% dengan selisih sebesar 37,4%. Sedangkan, pada hasil penelitian, harga minimum didapatkan dari rata-rata pengeluaran konsumsi rumah tangga Rp 8.908.370 dibagi dengan jumlah produksi karet 2.312/kg ditambah dengan harga pokok produksi Rp1.039, sehingga menghasilkan harga minimum sebesar Rp 4.892/kg.
PENINGKATAN DAYA SAING PRODUK KOPERASI DESA MERAH PUTIH TANJUNG BARU MELALUI INTRODUKSI MANAJEMEN KEUANGAN EFEKTIF DAN STRATEGI PEMASARAN INOVATIF Erni Purbiyanti; Mirza Antoni; Indri Januarti; Yulia Sari
RESONA : Jurnal Ilmiah Pengabdian Masyarakat Vol 10, No 1 (2026)
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah (LPPI) Universitas Muhammadiyah Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35906/resona.v10i1.2701

Abstract

Program pengabdian ini bertujuan meningkatkan daya saing Koperasi Merah Putih di Desa Tanjung Baru melalui penguatan kapasitas manajemen keuangan dan pemasaran. Hasil pemetaan kebutuhan dan Focus Group Discussion (FGD) menunjukkan bahwa koperasi masih menghadapi kendala dalam pembukuan, pengelolaan keuangan, dan promosi produk. Solusi yang ditawarkan meliputi pelatihan pembukuan sederhana, pemisahan keuangan pribadi dan usaha, serta perhitungan Harga Pokok Penjualan (HPP). Selain itu, peserta akan mendapatkan pelatihan digital branding melalui media sosial dan pemanfaatan aplikasi bisnis gratis berbasis Android. Program dilaksanakan melalui sosialisasi, pelatihan intensif, penerapan teknologi, dan pendampingan berkelanjutan dengan pendekatan partisipatif yang melibatkan anggota koperasi pada setiap tahapan. Teknologi yang digunakan meliputi aplikasi BukuWarung, Canva, dan CapCut untuk mendukung pengelolaan keuangan serta pemasaran digital. Luaran yang diharapkan adalah meningkatnya literasi keuangan anggota, terbentuknya identitas visual produk koperasi, serta perluasan jangkauan pemasaran melalui platform digital. Program ini juga mendukung pencapaian SDGs, khususnya Tujuan 8 dan 9, serta pemberdayaan masyarakat berbasis kewirausahaan.  Abstract. This community service program aims to improve the competitiveness of the Merah Putih Cooperative in Tanjung Baru Village by strengthening financial management and marketing capacity. A needs assessment and Focus Group Discussions (FGDs) identified key challenges in bookkeeping, financial management, and product promotion. The proposed activities include training on basic bookkeeping, separating personal and business finances, and calculating the Cost of Goods Sold (COGS). Participants will also receive training in digital branding through social media and the use of free Android-based business applications. The program will be implemented through socialization, hands-on training, technology adoption, and continuous mentoring using a participatory approach that actively involves cooperative members throughout the process. Digital tools such as BukuWarung, Canva, and CapCut will be introduced to support financial management and marketing activities. The expected outcomes are improved financial literacy, a stronger visual identity for cooperative products, and wider market reach through digital platforms. The program also supports the Sustainable Development Goals (SDGs), particularly Goals 8 and 9, while promoting entrepreneurship-based community empowerment.
Studi Empiris pada Pola Sumber Dana untuk Pembiayaan Usahatani Padi di Sumatera Selatan Maryanah Hamzah; Agustina Bidarti; Erise Anggraini; Mirza Antoni
Jurnal Lahan Suboptimal : Journal of Suboptimal Lands Vol. 7 No. 2 (2018): JLSO
Publisher : Research Center for Suboptimal Lands (PUR-PLSO), Universitas Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33230/JLSO.7.2.2018.357

Abstract

Hamzah et al, 2018. Empirical Study on the Pattern of Funding Sources for Rice Farming in South Sumatra. JLSO 7(2):196-203. The objective of the study was to identify the source and size of the financing portion of the rice farming from the loan and the terms and the interest rate charged. The interviews were conducted on 75 samples of rice farmers whose farming costs were partly derived from loans at three different land ecosystems in South Sumatra Province. The three types of ecosystems viz., tidal swamp land, technical irrigation, and swamp land were used in the study.  The results showed that there were seven financing sources that farmers used for fulfill their production cost if they not enough capital. Middlemen was biggest source with a portion of 45.28% and their own costs of 43.52, the rest is relatively small comes from money lenders, families, rice milling units, cooperative and friends. The interest rate charged varies from 3% to 50% per planting season. The lowest interest rate on lending money was to cooperatives and middlemen. However, if farmers borrow from middlemen, they must sell their rice to them. The highest interest rate from money lenders is 50%. All loans were being paid at after harvested time. Only borrow to families and friends were not charged interest and other terms. Farmers were forced to use non-formal lending institutions because banks located far away and they were afraid to come to the bank. It is suggested to reduce the dependence of rice farmers on non-formal lending institutions through developing a more effective agricultural cooperative.       
Co-Authors Agustina Bidarti Erise Anggraini Erni Purbiyanti, Erni Januarti, Indri Maryanah Hamzah Muhammad Febriansyah Ibrahim Muhammad Yamin Yulia Sari