PEMAHAMAN PETANI DALAM MENERAPKAN PRINSIP 5-C KAITANNYA DENGAN PENGEMBALIAN KREDIT
Fakultas Pertanian Universitas Siliwangi
Jalan Siliwangi No 24 Tasikmalaya
BRI Unit Neglasari Kecamatan Salawu Kabupaten Tasikmalaya
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The research aimed to find out the farmer’s understanding of the 5-C principles application and of the credit payback in agricultural sector and its relationship. The method used was a survey method toward the consumer of BRI Unit Neglasari Kecamatan Salawu Kabupaten Tasikmalaya. The research location was purposively chosen considering that the location was the center of wood agroindustry wherein the largest capital aid was given. The respondents were 21 people. The research was carried out from August to November 2008. The data collected was primary and secondary data. The primary data was tabulated and analyzed descriptively, and the relationship between the two variables was analyzed using non-parametric statistical test. The hypothesis was tested using the Rank Spearman’s Correlation Test. The results showed that the level of the farmer’s understanding of the 5-C principles application, i.e. character, capacity, capital, condition of economy, and collateral, was classified medium. 13 people were classified medium and 8 people were classified high. There was relation between the level of people understanding of the 5-C principles application and the credit payback of the wood agroindustry. The result indicated that the higher the level of farmer’s understanding of the 5-C principles application was, the higher the credit payback of the wood agroindustry would be.
Key words: 5-C principles, credit payback