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All Journal Jurnal Agribisnis Indonesia (Journal of Indonesian Agribusiness) Arus Jurnal Sosial dan Humaniora
Syahadat, Muhammad Khafif Hamdun
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Humanities Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Kontribusi Lembaga Keuangan Mikro terhadap Pendapatan Usahatani Padi Sawah di Kelurahan Amonggedo Baru Kecamatan Amonggedo Kabupaten Konawe Syahadat, M; Syahadat, Muhammad Khafif Hamdun; Mpalasi, La Panga
Arus Jurnal Sosial dan Humaniora Vol 5 No 2: Agustus (2025)
Publisher : Arden Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57250/ajsh.v5i2.1518

Abstract

Akses layanan keuangan mikro melalui skema Kredit Usaha Rakyat (KUR) menjadi faktor penting dalam meningkatkan produktivitas dan pendapatan petani. Pentingnya peran lembaga keuangan mikro dalam pemberdayaan ekonomi petani mendorong perlunya kajian kontribusi layanan keuangan terhadap peningkatan pendapatan usahatani. Penelitian ini bertujuan untuk mengetahui besaran kontribusi layanan keuangan mikro terhadap pendapatan usahatani padi sawah di Kelurahan Amonggedo Baru Kecamatan Amonggedo Kabupaten Konawe. Penelitian menggunakan metode survei terhadap 17 petani padi sawah nasabah KUR BRI yang dipilih secara proporsional dari 170 populasi di Kelurahan Amonggedo Baru. Data dianalisis menggunakan metode analisis kontribusi. Hasil penelitian menunjukkan bahwa kontribusi layanan lembaga keuangan mikro dalam meningkatkan pendapatan petani padi sawah pada lokasi penelitian menunjukkan tren yang cukup tinggi. Sebagian besar populasi yang diamati mendapatkan kontribusi pada tingkat menengah hingga tinggi dari lembaga keuangan mikro dalam peningkatan pendapatan usahataninya. Hasil analisis kontribusi tersebut memberikan makna bahwa keberadaan dan dukungan lembaga keuangan mikro sangat signifikan dalam upaya meningkatkan produktivitas dan pendapatan usahatani padi sawah.
THE INFLUENCE OF ACCESS TO FINANCING, FINANCIAL LITERACY AND ENTREPRENEURIAL COMPETENCE ON UMK PERFORMANCE IN KENDARI CITY Syahadat, Muhammad Khafif Hamdun; Suharno; Etriya, Etriya
Jurnal Agribisnis Indonesia Vol. 13 No. 2 (2025): Desember 2025 (Jurnal Agribisnis Indonesia)
Publisher : Departmen of Agribusiness, Economics and Management Faculty, Bogor Agricultural University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jai.2025.13.2.383-398

Abstract

Kendari City although the growth of MSEs shows a positive trend, challenges such as access to financing, financial literacy and entrepreneurial competence still need to be overcome to encourage positive MSE performance. The existing literature still does not conclusively state how the role and how to utilize information about financial access, financial literacy, and entrepreneurial competence. Therefore, there is a high urgency to conduct research on this subject, agat obtained benefits for the development of MSEs. This study aims to analyze the effect of access to financing, financial literacy and entrepreneurial competence on the performance of MSEs in Kendari City. Data collection using survey techniques located in Kendari City. The number of samples in this study as many as 165 respondents who have a SIUP. Data were analyzed using PLS-SEM method. The results showed that access to financing, financial literacy and entrepreneurial competence have a positive effect on the performance of MSEs. Access to financing is proven to improve the performance of micro and small enterprises (SMEs). Similarly, financial literacy improves performance. Furthermore, entrepreneurial competence also improves the performance of MSEs. Policy implications and recommendations that can be followed up by simplifying credit application requirements and procedures, conducting regular financial management training and training in skills and product innovation supported by collaboration between local governments and financial institutions to encourage sustainable growth of MSEs in Kendari city.
Co-Authors Etriya Etriya Mpalasi, La Panga Suharno Syahadat, M