Analisis kinerja kredit mikro Kupedes sektor usaha tani dan non usaha tani pada Bank Rakyat Indonesia Unit Kantor Cabang Gombong

NUGROHO, R. Hasto, Dr.Ir. Irham, M.Sc

2005 | Tesis | Magister Manajemen Agribisnis

Tujuan dari penelitian ini adalah untuk mengetahui Trend Outstanding kredit mikro Kupedes sektor Usahatani dan kredit mikro Kupedes sektor non Usahatani, kinerja kredit mikro Kupedes sektor Usahatani pada Bank Rakyat Indonesia Unit Kantor Cabang Gombong. Metode penelitian yang digunakan dalam penelitian ini adalah metode penelitian deskriptif analitis. Data yang dianalisis adalah data primer dan data sekunder, dikumpulkan melalui teknik observasi, wawancara dan data-data kredit pada BRI Unit Kantor Cabang Gombong, Lokasi penelitian dibatasi hanya di BRI Unit Kantor Cabang Gombong yaitu Unit Rowokele, Unit Adimulyo dan Unit Kaleng. Analisis diskriptif dan grafis data perkembangan kredit mikro kupedes (Outstanding) dan kinerja kredit mikro Kupedes (NPL), analisis trend dan Uji-t dengan dua rerata. Variabel yang digunakan meliputi Kupedes sektor Usahatani dan Kupedes sektor non Usahatani. Hasil penelitian menunjukkan perkembangan Trend perkembangan outstanding kredit mikro Kupedes BRI Unit di setiap kecamatan pada sektor Usahatani lebih baik dibandingkan dengan kredit mikro Kupedes sektor non usahatani. Trend perkembangan NPL (kinerja kredit) kredit mikro Kupedes BRI Unit di Kecamatan Rowokele (Unit Rowokele) dan kecamatan Puring (Unit Kaleng) pada sektor Usahatani lebih baik dibandingkan denga kredit mikro Kupedes sektor Non Usahatani. Sedangkan, trend perkembangan NPL kredit mikro Kupedes BRI Unit di kecamatan Adimulyo (Unit Adimulyo) pada sektor Usahatani kurang baik dibandingkan dengan kredit mikro Kupedes sektor non Usahatani. Berdasarkan analisis trend outstanding menunjukkan hasil : Berdasarkan uji perbedaan rerata untuk tiga unit tersebut diatas, semuanya menunjukkan hasil lebih kecil dari nilai t tabel, sehingga secara statistik dapat dikatakan tidak terdapat perbedaan yang signifikan pada outstanding kredit mikro Kupedes antara sektor Usahatani dan sektor non Usahatani Berdasarkan analisis trend NPL menunjukkan hasil : Berdasarkan uji perbedaan rerata untuk tiga unit tersebut diatas, semuanya menunjukkan hasil lebih besar dari nilai t tabel, sehingga secara statistik dapat dikatakan terdapat perbedaan yang signifika pada NPL kredit mikro Kupedes antara sektor Usahatani dengan sektor non Usahatani

The purpose of this research was to find out the trend outstanding of Kupedes micro credit on the sector of agricultural and non agricultural business, the performance of it at BRI branch office Gombong. The method used in this research was the descriptive analysis. Data analyzed was the primer and secondary data, collected the technique of observation, interview and data of credit at BRI branch office Gombong, while the location of research was limited only at the BRI unit of Rowokele, Adimulyo and Kaleng. The descriptive analysis and graphic data development of Kupedes micro credit (outstanding) and the performance of it (NPL), the trend analysis and t-test by two variables. The variable used included Kupedes in sector of agricultural and non agricultural business. The result of this research indicated that the development of trend outstanding of Kupedes micro credit at the unit of BRO in every sub district at the sector of agricultural business was better compared with the ones of non agricultural business. The developing trend of NPL (credit performance), Kupedes micro credit at the bank in the sub district of Rowokele (Rowokele unit) and Puring (Kaleng Unit) at the sector of agricultural business was better compared with the ones at the non agricultural sector, while, in the district of Adimulyo (Adimulyo unit), it was not good enough compared with Kupedes micro credit at the sector of non agricultural business. Based on the trend outstanding analysis, it indicated that the result : The average different test for the three units above, all of them indicated that the result was less than t-table value, so it statistically could be said that there was not a significant difference in the outstanding of Kupedes micro credit between the sector of agricultural and non agricultural business. Based on the trend NPL analysis, it indicated that : The average different test for the three units above, all of them indicated that the result was more than t-table value, so it statistically could be said that there was a significant different on the NPL of Kupedes micro credit between the sector of agricultural and non agricultural business.

Kata Kunci : Kredit Mikro Kupedes,Kinerja Bank,Kredit Mikro Kupedes,Trend Outstanding Kredit Mikro Kupedes