PEMBERDAAYAAN EKONOMI PETANI MELALUI DIVERSIFIKASI USAHA
Abstract
This study aims to create a model of economic empowerment of farmers through diversification related businesses. The concept of diversification in general is various businesses to make different with another in the hope to be able to eliminate the risk. With the diversification, hopes that failures in the business can be closed with the success of other businesses that are not related, thus the business risk can be eliminated. In contrast to the above concept, farmers can diversify with related businesses, where one business with another business that can support each other. One of the business diversification offered rice farmers with related businesses maintain beef cattle.
The approach of rural committed with the model group. With the group, hopes that the interaction will be more intensive among group members to work together and responsible for additional business activities in the form of cattle. Research carried out by using a limited discussion expert who came from relevant institution, with individual and direct observation in some areas in Sukoharjo.
Results of this research focuses on the financial analysis of the feasibility of the approach to cash flow, payback period business loans, and debt repayment scheme, as well as how long it takes to be self-sufficient for a group of farmers who are members of the joint venture cattle. From the data collected and the results of the analysis of business group for cattle with members require funding of about 20-30 people Rp.1.032.500.000,00. Of funds obtained through credit with interest of 5% per year, after 4 months, in entering the fifth month was able to sell cattle. Proceeds from sales of cattle after deducting for rejuvenation and maintenance costs, net income used to repay the loan Rp.25.000.000,00 every month, pay interest on the debt, and the remainder divided equally as a result of operations.
Results of the analysis by financial approach shows that if all the assumptions in this research are met, the loan fund of Rp.1.032.500.000,00 can be returned within a period of 3 years 10 months. After 3 years and 10 months, or 47 months after the diversified activities carried out, the cattle farmer group members are already independent and separate from the debt burden. After 3 years and 10 months, each member of the group each having 4 to 5 cows with different age and every month can be sold one tail to be rejuvenated. Proceeds from the sale of the cows will earn a net profit of about Rp.2.000.000,00 as additional income from agriculture.
Keywords: agriculture, economic empowerment, diversification
The approach of rural committed with the model group. With the group, hopes that the interaction will be more intensive among group members to work together and responsible for additional business activities in the form of cattle. Research carried out by using a limited discussion expert who came from relevant institution, with individual and direct observation in some areas in Sukoharjo.
Results of this research focuses on the financial analysis of the feasibility of the approach to cash flow, payback period business loans, and debt repayment scheme, as well as how long it takes to be self-sufficient for a group of farmers who are members of the joint venture cattle. From the data collected and the results of the analysis of business group for cattle with members require funding of about 20-30 people Rp.1.032.500.000,00. Of funds obtained through credit with interest of 5% per year, after 4 months, in entering the fifth month was able to sell cattle. Proceeds from sales of cattle after deducting for rejuvenation and maintenance costs, net income used to repay the loan Rp.25.000.000,00 every month, pay interest on the debt, and the remainder divided equally as a result of operations.
Results of the analysis by financial approach shows that if all the assumptions in this research are met, the loan fund of Rp.1.032.500.000,00 can be returned within a period of 3 years 10 months. After 3 years and 10 months, or 47 months after the diversified activities carried out, the cattle farmer group members are already independent and separate from the debt burden. After 3 years and 10 months, each member of the group each having 4 to 5 cows with different age and every month can be sold one tail to be rejuvenated. Proceeds from the sale of the cows will earn a net profit of about Rp.2.000.000,00 as additional income from agriculture.
Keywords: agriculture, economic empowerment, diversification
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