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All Journal Jurnal Sains Teknologi dan Lingkungan (JSTL) Jurnal Biologi Tropis Agrimansion: Agribusiness Management & Extension Jurnal SIAR ILMUWAN TANI Unram Journal of Community Service (UJCS) Agroteksos
I Ketut Budastra
Agribisnis, Fakultas Pertanian, Universitas Mataram
Agriculture, Biological Sciences & Forestry Biochemistry, Genetics & Molecular Biology Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Immunology & microbiology Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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8. RETHINKING MICROFINANCE DEVELOPMENT IN INDONESIA Ketut Budastra
AGROTEKSOS, Jurnal Ilmiah Ilmu Pertanian Vol 13 No 3 (2003): Jurnal Agroteksos 3 Oktober 2003
Publisher : Fakultas Pertanian Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (604.477 KB)

Abstract

Abstract This paper analyzes the microfinance policies in Indonesia, focusing on two issues: the extent to which the microfinance system in Indonesia had been liberalized and whether liberalized financial policies alone is a sufficient condition for microfinance development. In the attempts the financial policies with relevant implications to microfinance development (introduced from 1983-2000) in Indonesia were reviewed and the likely impacts of the financial liberalization were explored. The analysis shows that most of the repressive elements of the previous policies on the microfinance system has been abolished. In spite of that, the number and the scale of credit programs remained substantial. The linear reasoning of the financial liberalization proponents’ expectation might not realize as there are also other factors that affect the dinamics of the microfinance market. Among these factors are the characteristics of the finanscal institutions and the households, the economic condition. Thus, financial liberalication is an insufficient condition for microfinance developmen. Microfinance development should be done in tandem with economic, tecnical, institutional, and infrastructure development. The formulation of financial policies should take into account information from both the demand and supply sides of the microfinance market. ABSTRAK Paper ini menganalisa peraturan-perundangan dan kebijakan pembiayaan mikro di Indonesia, dengan menitikberatkan pada dua issu, yakni: sejauh mana sistim pembiayaan mikro telah diliberalisasi dan apakah perbaikan perbaikan peraturan-perundangan dan kebijakan saja sudah cukup untuk membangun sektor pembiayaan mikro. Dalam upaya itu, paper ini menganalisa peraturan-perundangan dan kebijakan sektor keuangan yang memiliki implikasi pada pembangunan sektor pembiayaan mikro di Indonesia dalam kurun waktu 1983-2000. Kemungkinan hasilnya dalam mengembangkan sektor pembiayaan mikro juga ditelusuri. Analisis peraturan-perundangan dan kebijakan menemukan bahwa sebagian besar elemen-elemen peraturan-perundangan dan kebijakan yang menghambat perkembangan sistim pembiayaan mikro di Indonesia telah dihapuskan. Meskipun demikian sistim pembiayaan mikro itu masih belum sepenuhnya liberal karena jumlah dan skala credit programs masih relatip besar walaupun kegagalan kredit program acapkali dilaporkan dalam media. Peraturan-perundangan dan kebijakan demikian diharapkan akan meningkatkan skala dan effisiensi pelayanan dari sistim pembiayaan mikro di Indonesia. Hasil demikian mungkin tak menjadi kenyataan, karena terdapat faktor-faktor lain selain peraturan-perundangan dan kebijakan yang berpengaruh seperti karakteristik lembaga pembiayaan mikro. Pembangunan sektor pembiayaan mikro hendaknya dilakukan seiring dengan pengembangan sektor ekonomi, teknologi, kelembagaan dan infrastruktur. Formulasi kebijakan sektor pembiayaan mikro hendaknya mempertimbangkan baik sisi permintaan maupun sisi penawaran dalam pasar pembiayaan mikro.
Maize Farmer Partnership Sustainability Study in the Post Arisa Project (Applied Research and Innovation System in Agriculture) in Kayangan District, North Lombok Regency Ajeng Kartika Pratiwi; I Wayan Suadnya; I. G. L Parta Tanaya; I Ketut Budastra; Taslim Sjah
Jurnal Biologi Tropis Vol. 22 No. 3 (2022): July - September
Publisher : Biology Education Study Program, Faculty of Teacher Training and Education, University of Mataram, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jbt.v22i3.3821

Abstract

The University of Mataram is coordinating the ARISA Corn (Applied Research and Innovation System in Agriculture) Intervention Project, which includes partners such as Bank NTB Syariah, PT. Syngenta, the Department of Agriculture, Retailer of Subsidized Fertilizers, and buyers of produce have exceeded their target of increasing 30% in revenue. The purpose of this study consisted of a general objective, namely to analyze the sustainability of the ARISA partnership project in the village of Gumantar, Kayangan District, North Lombok Regency and a specific purpose to analyze the sustainability of the partnership of corn farmers who carried out the ARISA project in the village of Kayangan District, North Lombok Regency. This study uses descriptive methods and data collection techniques with survey techniques. The sampling technique used was purposive sampling (deliberately) with the consideration that only 1 of these villages participated in the ARISA project at the beginning of the project. The technique of determining respondents using proportional sampling was determined by 15 respondents because only the corn farmers participated in the ARISA project from the beginning to the end of the project. The data analysis used is qualitative descriptive analysis. The results show that the sustainability of the partnership in the ARISA project is still ongoing even though the program has ended in 2018. The partnership between farmers and Unram does not continue in terms of the application of technology. The partnership with Bank NTB Syariah through the application of people's business credit applications and purchasing inputs according to recommendations with new suppliers is still ongoing. Field agricultural extension staff manage and coordinate fertilizer distribution with RDKK and merchants. The collaboration with yield buyers continues with new purchasers.
Peningkatan Kapasitas Pengusaha Kopi di BTN Gunung Sari Kecamatan Gunung Sari Kabupaten Lombok Barat Taslim Sjah; Halil Halil; I ketut Budastra; I Gusti Lanang Parta Tanaya
Unram Journal of Community Service Vol. 3 No. 3 (2022): September
Publisher : Pascasarjana Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ujcs.v3i3.353

Abstract

Coffee is one of the products consumed by many people, so many coffee businesses are growing everywhere. The coffee business is supposed to be profitable, but sometimes it is less profitable. Coffee produced at BTN Gunung Sari, Gunung Sari District, West Lombok Regency, has several aspects that need to be improved regarding the product and its business management. To obtain greater benefits from the coffee business in this area, it is necessary to increase the capacity of the coffee entrepreneurs in the area, including in coffee processing, product marketing, business management, and other technical capabilities related to the business. This capacity-building activity is carried out through training (lectures, discussions, and practices) on technical, business, and management aspects of the coffee business. Evaluation of the activities showed positive results in the form of increased knowledge and enthusiasm for business because of the potential for increasing profits obtained by applying the knowledge received. Therefore, this kind of activity needs to be carried out again in new locations and in new fields of activity (business). Extension activities like this need to be carried out because they are needed by the business community who foresee emerging business opportunities. This (or other) business opportunity needs to be exploited, among others through increasing knowledge and skills related to the choice of type of business, followed by a 'know-how' for the business.
EFISIENSI EKONOMI DAN PENDAPATAN USAHATANI MELON DI KECAMATAN PUJUT KABUPATEN LOMBOK TENGAH Era Anggela; Muhamad Siddik; I Ketut Budastra
JURNAL AGRIMANSION Vol 23 No 3 (2022): Jurnal Agrimansion Desember 2022
Publisher : Department of Agricultural Social Economics Faculty of Agriculture University of Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/agrimansion.v23i3.1339

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh penggunaan input produksi, efisiensi ekonomi dan pendapatan usahatani melon di Kecamatan Pujut Kabupaten Lombok Tengah. Penelitian menggunakan metode deskriptif. Unit analisisnya yaitu usahatani melon di Kecamatan Pujut Kabupaten Lombok Tengah. Penentuan daerah penelitian ditentukan secara purposive sampling di tiga desa yaitu Desa Kawo, Desa Segala Anyar dan Desa Gapura. Penentuan responden dilakukan secara sensus yaitu sebanyak 47 orang Pengumpulan data menggunakan teknik survai dan observasi. Data dianalisis denga regresi model tipe Cobb-Douglass, efisiensi teknis dan efisiensi harga, serta analisis biaya dan pendapatan usahatani. Hasil penelitian menunjukkan bahwa input prduksi yang berpengaruh positif dan nyata terhadap produksi adalah input produksi luas lahan, benih, pupuk NPK, dan tenaga kerja; namun secara ekonomi belum dikelola secara efisien. Namun input pupuk KNO3 dan pestisida antracol berpengaruh negatif dan penggunaannya secara ekonomi tidak efisien atau sudah berlebihan. Rata-rata pendapatan usahatani yang diperoleh adalah sebesar Rp. 11.211.856 perpetani atau sebesar Rp 91.169.072 per hektar dengan RC ratio sebesar 1,99.
Co-Authors Abdus Sihab Patoni Ajeng Kartika Pratiwi Anas Zaini Baiq Virgia Srihayati Didi Supriyadi Agustawijaya Era Anggela Halil Halil I Gusti Lanang Parta Tanaya I Wayan Suadnya I. G. L Parta Tanaya IGL Parta Tanaya John D Conroy John D Conroy Lalu Agus Supriyadi M Zuhral Anwari Muhamad Siddik Muhammad Zubair Nuning Juniarsih Nurjumiyati Nurjumiyati Riris Apryaningsih Sri Maryati Suparmin Suparmin Supartiningsih, Sri Suryawan Murtiadi, Suryawan Taslim Sjah Taslim Sjah Taslim Sjah Wuryantoro Wuryantoro