Adopsi Nelayan terhadap Kredit Keuangan Skala Kecil

Anthon Efani; Asfi Manzilati; Moh. Shadiqur Rahman

doi:10.15578/marina.v7i2.8703

Adopsi Nelayan terhadap Kredit Keuangan Skala Kecil

Anthon Efani, Asfi Manzilati, Moh. Shadiqur Rahman

Abstract

Sejumlah studi membuktikan banyaknya pemasalahan modal keuangan yang dihadapi oleh nelayan kecil dan berdampak terhadap kesejahteraan mereka. Salah satu upaya untuk mengatasi permasalahan tersebut adalah adopsi kredit. Penelitian ini bertujuan untuk menganalisis faktor yang mempengaruhi nelayan kecil untuk mengadopsi kredit. Penelitian ini dilakukan di Kecamatan Paiton, Kabupaten Probolinggo, Jawa Timur pada bulan November hingga Desember 2018. Responden yang digunakan adalah nelayan kecil dengan kriteria nelayan dengan perahu ≤ 5 GT. Penentuan responden ditentukan dengan teknik simple random sampling dengan jumlah responden yang digunakan sebanyak 100 nelayan. Analisis regresi logit digunakan untuk mengetahui faktor yang mempengaruhi keputusan nelayan mengadopsi kredit. Hasil penelitian menunjukkan variabel pendapatan, tingkat pendidikan, partisipasi terhadap kelompok nelayan, dan lama trip memiliki pengaruh positif dan signifikan terhadap peluang nelayan untuk mengadopsi kredit. Tingkat pendapatan memiliki nilai koefesien sebesar 7.07E-07, pendidikan sebesar 0.538, koefesien partisipasi dalam kelompok nelayan diperoleh sebesar 1.486, dan lama trip sebesar 0.008. Hasil analisis menunjukkan bahwa partisipasi dalam kelompok nelayan merupakan faktor yang paling signifikan dibanding variabel lain. Dengan demikian, dapat disimpulkan bahwa keberadaan kelompok nelayan dalam masyarakat pesisir memiliki peran penting dalam peningkatan kesejahteraan nelayan.

Title: Fishermen’s Adoption of Small-Scale Credit

Several studies have been proved that small-scale fishers face financial problems to achieve their well-being. One strategy to face those problems is credit adoption. This research aims to analyze the factors that affect small-scale fishers to participate in credit adoption—this study was conducted in Paiton District, Probolinggo Regency, East Java. The survey was conducted from November to December 2019. The respondent was used in this study is small-scale fishers who have boat ≤ 5 GT. The respondents were selected by using simple random sampling, with the total sample being 100 fishers. Logit regression analysis was used to estimate the factors affecting smallscale fishers to credit adoption. The result shows that fisher’s income, education level, participation in fishermen groups, and long trips positively and significantly impact fishermen’s probability of adopting the financial credit. Education level has a coefficient value of about 7.07E-07, education level is about 0.538, the coefficient of participation in the fishermen group is about 1.486, and the long trip is about 0.008. The results also indicated that the fishermen group was the most significant factor compared with others. This finding implies that the existence of fishermen groups in the coastal area has an essential role in improving the fishermen well-being.

Keywords

usaha perikanan; adopsi kredit; regresi logit; kesejahteraan; Jawa Timur

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DOI: http://dx.doi.org/10.15578/marina.v7i2.8703