THE INFLUENCE OF 5-C FACTORS ON RATE OF CREDIT RETURN IN BEEF CATTLE FARMING IN CENTRAL JAVA
Abstract: The aims of study
were to analyze (i) income of beef cattle farming, (ii) ability of farmers to
meettheir obligation for returning credit, (iii) role of character, capacity,
capital, collateral and conditions(5C) and its effect on credit return. The
study was conducted using survey methods on farmers (fatteningand cow-calf
operation), who use credit. Sample location was determined using two stage
clusterrandom sampling based on beef cattle population, namely region of
Grobogan, Blora, Rembang,Wonogiri and Boyolali. Number of respondents was 50
for fattening and 50 for cow-calf operation. Datawere analyzed by descriptive
and inferential statistic, which consisted of scoring, income and
multiplelinear regression. Results showed that income per-year of beef cattle
fattening was greater than cow-calfoperation (IDR 8,954,208.00>1,606,786.00),
as well as its contribution to the household farmers’income (49.45>14.91%).
Credit return ability was 61.35% based on amount of credit IDR
22,482,510.Five-C analysis resulted that character and capacity of farmers were
in adequate category, while capital,collateral and condition were IDR
14,932,500.00, IDR 58,740,000.00 and IDR 14,440,600.00. Capitaland collateral
had significant effects, while character, capacity and condition had no
significant effectson credit return.
Author: E. Prasetyo, S.
Sunarso, P.B. Santosa, E. Rianto, T. Ekowati, D.M. Yuwana, B. Mulyatno
Journal Code: jppeternakangg120061
