KINERJA, KENDALA, DAN STRATEGI PROGRAM KREDIT USAHA RAKYAT SEKTOR PERTANIAN MASA DEPAN

Article Sidebar

pdf
Published: Dec 29, 2021
Keywords:
agriculture, credit, credit program, empowerment, kredit usaha rakyat, pembiayaan, pendampingan, pertanian

Main Article Content

Rusli Burhansyah
Balai Pengkajian Teknologi Pertanian Kalimantan Barat

Abstract

Agricultural funding institutions need capital business. The challenge of the Agriculture Sector Public Credit (ASPC) Program is to increase the program's reach, institutional, regulations, empowerment, and synergy among stakeholders. Some problems of the ASPC Program include low absorption rates, schemes, program coverage, assistance, and institutions. The future policy recommendations for the ASPC Program are providing a group-based credit scheme involving farmers groups and gapoktan, involving Agribusiness Micro Finance Institutions (AMFI) and cooperatives, extending bank branches, and providing companions. Recommendations for institutional and regulations need microprudential, better monitoring and evaluation system, guarantors’ availability, creating AMFI and cooperatives ratings, and strengthening legal instruments. Actions required to empower and strengthen the synergy are supporting the Independent Smallholder Financing Facilitator (ISFF) role, special agricultural sector programs (people’s plantation and livestock) with the ceiling adjusted to the proposal, joint responsibility, and business partner. Cooperation with the field agriculture extension is necessary for socialization among the farmer's group and gapoktan. The provincial and district technical team's role is to monitor ISFF's performance.

Article Details

How to Cite
Burhansyah, R. (2021). KINERJA, KENDALA, DAN STRATEGI PROGRAM KREDIT USAHA RAKYAT SEKTOR PERTANIAN MASA DEPAN. Forum Penelitian Agro Ekonomi, 39(1), 73–87. Retrieved from https://fae.perhepi.org/index.php/FAE/article/view/15
Issue
Vol. 39 No. 1 (2021): Forum penelitian Agro Ekonomi
Section
Articles

References

Ali E, Awade NE. 2019. Credit constraints and soybean farmers’ welfare in subsistence agriculture in Togo. Heliyon [Internet]. [diunduh 2021 Maret 27]; 5(2019):1–24. Tersedia dari: https://doi.org/10. 1016/j.heliyon.2019.e01550.

Amanullah, Lakhan GR, Channa SA, Magsi H, Koondher MA, Wang J, Channa NA. 2020. Credit constraints and rural farmers’ welfare in an agrarian economy. Heliyon [Internet]. [diunduh 2021 Maret 27]; 6(10):1–10. Tersedia dari: https://doi.org/10.1016/j.heliyon.2019.e01550.

Aristanto E, Khouroh U, Ratnaningsih CS. 2020. Dinamika kebijakan program Kredit Usaha Rakyat (KUR) di Indonesia. J Manaj dan Kewirausaha. 8(1):85–95. doi:10.26905/j.

Ashari. 2009. Optimalisasi kebijakan kredit program sektor pertanian di Indonesia. Anal Kebijak Pertan. 7(1):21–42.

Chandio AA, Jiang Y, Gessesse AT, Dunya R. 2019. The Nexus of agricultural credit, farm size and technical efficiency in Sindh, Pakistan: A Stochastic Production Frontier Approach. J Saudi Soc Agric Sci [Internet]. [diunduh 2021 Mar 27]; 18(3):348–354. doi:10.1016/j.jssas.2017.11.001.

Damayanti M, Adam L. 2015. Program Kredit Usaha Rakyat (KUR) sebagai alat pendorong pengembangan UMKM di Indonesia. Kertas Kerja TNP2K 27-2015. Tim Nasional Percepatan Penanggulangan Kemiskinan. Australian Government Departemen of Foreign Affair and Trade dan Australia AID.

Erviana. 2005. Pelaksanaan perjanjian bagi hasil tanah pertanian di Kabupaten Ogan Komering Hlir. Provinsi Sumatera Selatan [Tesis]. [Semarang (ID)]: Universitas Diponegoro.

Feryanto. 2017. Pembiayaan pertanian dan upaya meningkatkan kesejahteran petani: analisa data makro. AGRICORE-J Agribis Sos Ekon Pertan. 2(2):300–305.

Hosen MN, Arif M. 2018. Pelaksanaan kredit usaha rakyat pada Bank Syariah Mandiri di Kabupaten Pati. Liquidity. 3(1):65–76. doi: 10.32546/lq. v3i1.107.

Iko H. 2008. Pelaksanaan perjanjian bagi hasil tanah pertanian di Kecamatan Bulakamba Kabupaten Brebes Jawa Tengah [Tesis]. [Semarang (ID)]: Universitas Semarang.

Kadarsan HW. 2001. Keuangan pertanian dan pembiayaan perusahaan Agribisnis. Jakarta (ID): Gramedia Pustaka Utama.

[Kemenko Perekonomian] Kementerian Koordinator Bidang Perekonomian Republik Indonesia, 2018. Pedoman pelaksanaan teknis kredit usaha rakyat khusus. Jakarta (ID): Kementerian Koordinator Bidang Perekonomian.

[Kemenko Perekonomian] Kementerian Koordinator Bidang Perekonomian Republik Indonesia. 2020. Data Realisasi KUR September 2020 [Internet]. [diunduh 2021 Mar 27]. Tersedia dari: http://kur.ekon.go.id/realisasi_kur/2020/9.

[Kementerian Koperasi dan UKM] Kementerian Koperasi dan Usaha Kecil dan Menengah Republik Indonesia. 2019. Keputusan Deputi Bidang Pembiayaan. tentang Juknis Pendampingan Usaha Kecil dan Mikro Mengakses Pembiayaan Melalui Kredit Usaha Rakyat. Jakarta (ID): Kementerian Koperasi dan UKM.

Kementerian Pertanian. 2018. Pedoman teknis Fasilitasi Pembiayaan Petani Swadaya (FPPS), Direktorat Prasarana dan Sarana Pertanian. Kementerian Pertanian. Jakarta (ID): Kementerian Pertanian.

Kementerian Pertanian. 2017. Pedoman teknis pelaksanaan Fasilitasi Pembiayaan Petani. Direktorat Pembiyaan Pertanian. Direktorat Jendral Prasana dan Sarana Pertanian. Kementerian Pertanian. Jakarta (ID): Kementerian Pertanian.

Lubis AM, Rachmina D. 2011. Faktor-faktor yang mempengaruhi realisasi dan pengembalian Kredit Usaha Rakyat. Forum Agribisnis. 1(2): 112–131.

Mayrowani H, Dermoredjo SK, Wahida, Prasetyo B, Swastika DK. 1998. Kajian ketersediaan dan pemanfaatan skim kredit untuk menunjang agribisnis di perdesaan. Laporan Akhir. Bogor (ID): Pusat Penelitian dan Pengembangan Sosial Ekonomi, Badan Penelitian dan Pengembangan Pertanian.

Muna N. 1988. Lembaga kredit pedesaan. Jakarta (ID): Lembaga Pengembangan Perbankan.

Nita D. 2020. Analisis peran Kredit Usaha Rakyat (KUR) dalam meningkatkan produktifitas dan pendapatan petani palawija di Desa Mulyajaya Kecamatan Rebang Tangkas Kabupaten Way Kanan [Skripsi]. [Lampung (ID)]: Institut Agama Islam Negeri (IAIN) Metro.

Nwaru J, Essien UA, Onuoha RE. 2011. Determinants of informal credit demand and supply among food crop farmers in Akwa Ibom State, Nigeria. J Rural and Comm Develop. 6(1):129–139.

Panekenan D, Rumangit GAJ, Pangemanan PA. 2017. Peran kredit perbankan pada sektor pertanian di Provinsi Sulawesi Utara. J Sos Ekon-Unsrat. 13(1):183–194.

Presiden Republik Indonesia. 2007. Instruksi Presiden Republik Indonesia Nomor 6 Tahun 2007 tentang Kebijakan Percepatan Pengembangan Sektor Riil dan Pemberdayaan Usaha Mikro, Kecil dan Menengah [Internet]. [diunduh 2021 Mar 27]. Tersedia dari: https://www.depkop.go.id/ phocadownload/regulasi/inpres/inpres_2007_06_kebijakan_percepatan_pengembangan_riil_dan_umkm.pdf.

Rasoki T, Sudhiebgo I. 2019. Kebijakan kredit usaha rakyat sektor perkebunan untuk pembiayaan peremajaan sawit rakyat di Indonesia. Prosiding Seminar Nasional Ke-IV Fakultas Pertanian Universitas Samudra; 2019 Oktober 23-24. Langsa (ID): Universitas Samudra.

Rehman A, Chandio AA, Hussain I, Jingdong L. 2019. Fertilizer consumption, water availability and credit distribution: major factors affecting agricultural productivity in Pakistan. J Saudi Soc Agric Sci [Internet]. [diunduh 2021 Mar 30]; 18(3):269–274. Available from: https://doi.org/10.1016/j.jssas. 2017.08.002. doi: 10.1016/j.jssas.2017.08.002.

Retnadi D. 2008. Kredit usaha rakyat, harapan dan tantangan. Yogyakarta (ID): Graha Ilmu.

Sari KI. 2018. Pengaruh pemberian Kredt Usaha Rakyat (KUR) PT Bank Rakyat Indonesia (Persero) Tbk unit Baraka terhadap pendapatan petani bawang merah di Kecamatan Baraka Kabupaten Enrekang [Skripsi]. [Makasar (ID)]: Pendidikan Akutansi Universitas Negeri Makassar.

Si C, Er-ga LUO, Alita L, Xiao HAN, Feng-ying NIE. 2021. Impacts of formal credit on rural household income: Evidence from deprived areas in western China. J Integr Agric [Internet]. [diunduh 2021 Mar 27]; 20(4):927–942. Tersedia dari: http://dx.doi.org/ 10.1016/S2095-3119(20)63484-0.

Syukur M, Sugiarto, Hendiarto, Wiryono B. 2003. Analisis rekayasa kelembagaan pembiayaan usaha pertanian. Laporan Akhir. Bogor (ID): Puslitbang Sosek Pertanian, Badan Litbang Pertanian.