KAJIAN PENGEMBALIAN KREDIT PENGUATAN MODAL DI KABUPATEN SUMENEP

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

j. ac
.ubn.uenej.
b
i
l
i
i
g l

://di digi
htthpttp://

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

://d
htthpttp:

.id
j.eajc.ac.id
e

n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:

p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n

u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p

htthttp:

://d
htthpttp:

.id

j.ac

une
ilib.

g

://di

http

g

://di

http
d

ili

/dig

:/
http

.id
tp://

une
ilib.

.id

une
ilib.

g

://di

ili

.id

g

.id

g

g

://di

j.

e
b.un
i
l
i
g
i

://d

http

.id

g

://di

http

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

.id

.id

g

://di

http

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

.id

g

://di

http

une
ilib.

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

:

http
.id

j.ac

e
b.un
i
l
i
g
i

://d

http

.id

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

d

ej.
b.un

ili

/dig

:/
http

g

://di

http

une
ilib.

:

http
ac.i

:

http
.id

j.ac

j.ac

j.ac

j.ac

une
ilib.

g

d

ili

/dig

:/
http

.id

j.ac

ac.i

ej.
b.un

:

http

une
ilib.

://di

PROGRAM STUDI AGRIBISNIS
.id
.id
.id
j.ac
j.ac
j.ac PROGRAM PASCASARJANA
e
e
e
n
n
n
u
u
u
UNIVERSITAS
JEMBER
lib.
lib.
lib.
digi
digi
digi
/
/
/
/
/
/
:
:
:
p
p
p
2009
htt
htt
htt

j.ac

une
ilib.

d

ili

/dig

:/
http

g

http

ac.i

.id

une
ilib.

://di

g

:

http

j.ac

http

une
ilib.

://di

ej.
b.un

.id

j.ac

http

d

ili

/dig

:/
http

d
ac.i

g

ac.i

ej.
b.un

.id

une
ilib.

://di

://d

g

://di

.id

j.ac

j.ac

http

:

http

e
b.un
i
l
i
g
i

http

une
ilib.

j.ac

http

d

ili

.id

une
ilib.

ac.i

/dig

Isdiantoni
061520201001

j.ac

http
ej.
b.un

://d

http

ili

.id

://d

c.
ej.a
n
u
.
Oleh:
b
igili

d

ej.
b.un

/dig

j.ac

http

:

http
ac.i

:/
http

e
b.un
i
l
i
g
i

id

.id

g

://di

.id

j.ac

://d

g

d

ili

/dig

.id

j.ac

une
ilib.

://di

ej.
b.un

:

http

ac.i

:/
http

e
b.un
i
l
i
g
i

http

une
ilib.

j.ac

:/
http

.id

j.ac

http

une
ilib.

://di

.id

j.ac

http

d

ili
/dig TESIS

://d

g

ac.i

j.ac

j.ac

http

:

http

une
ilib.

.id

une
ilib.

://di

ej.
b.un

:/
http

e
b.un
i
l
i
g
i

http

une
ilib.

://di

.

j.ac

http

d

ili

.id

://d

g

://di

ej.
b.un

/dig

j.ac

http

d

j.ac

.id

une
ilib.

ac.i

:/
http

e
b.un
i
l
i
g
i

http

.id

j.ac

e
b.un
i
l
i
g
i

tp://

une
ilib.

j.ac

http

d

ej.
b.un

.id

g

://di

http

/dig

.

j.ac

une
ilib.

j.ac

une
ilib.

ac.i

:/
http

.id

:

http

g
g
g OF RETURN OF
A STUDY
CREDIT tp://dig
://di
://diCAPITAL IMPROVEMENT
://di
ht
http
http
http
IN SUMENEP REGENCY

j.ac

http

.

j.ac

ili

j.ac

tp://

ej.
b.un

/dig

e
b.un
i
l
i
g
i

d

ac.i

:/
http

d

d

une
ilib.

g

://di

.id

j.ac

tp://

d

ili

/dig

:

http

ac.i

:/
http

e
b.un
i
l
i
g
i

g

ht
ht
ht
ht
KAJIAN
PENGEMBALIAN
KREDIT PENGUATAN
MODAL
DI
KABUPATEN SUMENEP
id
id
id
id

.

j.ac

http

.id

j.ac

une
ilib.

://di

ej.
b.un

.id

j.ac

http

d

ili

/dig

d

://d

g

ac.i

:/
http

e
b.un
i
l
i
g
i

une
ilib.

://di

ej.
b.un

.id

j.ac

http

d

ili

/dig

j.ac

http

g

ac.i

:/
http

e
b.un
i
l
i
g
i

une
ilib.

://di

ej.
b.un

.id

j.ac

http

ac.i

ej.
b.un

.id

j.ac

une
ilib.

g

://di

http

une
ilib.

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

:

http

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

://d
htthpttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

://d
htthpttp:

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

://d
htthpttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
.id
.id
j.eajc.ac.id
j.eajc.ac.id
j.eajc.ac.id
e
e
e
n
n
n
u
u
u
KAJIAN
un
lib. .un
lib. .unKREDIT PENGUATAN
lib. .PENGEMBALIAN
d/i/gdiigilib
d/i/gdiigilib
d/i/gdiigilib
/
/
/
/
/
/
:
:
:
p
p
p
t ttp:
DIhtKABUPATEN
SUMENEP
htthttp:
htthttp:
h

.id
j.eajc.ac.id
e
n
u
MODAL
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
TESIS
hthttp

Diajukan cguna
d dan memenuhi salah satu
id syarat
.icd.id melengkapi tugas .akhir
c.id id
ajc.a.ic.id
.ajc.a. c.id
j
j
j.eaj.auntuk
enj.eaj.ac.
e
e
e
n
n
n
n
menyelesaikan
Program
Pascasarjana
(S2)
e
e
u
u
u
u
.
.
.
.
n
n
n
lib .u
lib .u
giliblib.u
giliblib.u
digi gilib
digi gilib
dantpmencapai
Pertanian
://d:/i/digi
://d:/i/digi gelar Magistertp
tp://://di
tp://://di

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

hthttp

hthttp

hthttp

hthttp

://d
htthpttp:

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

://d
htthpttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
.id
Oleh:
j.eajc.ac.id
j.eajc.ac.id
e
e
n
n
u
u
lib. .un
lib. .un
d/i/gdiigilib
d/i/gdiigilibIsdiantoni
/
/
/
/
:
:
p
p
htthttp: 061520201001htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
c.id id
c.id id
enj.eaj.ac.
enj.eaj.ac.
enj.eaj.ac.
n
n
n
u
u
u
.
.
.
giliblib.u
giliblib.u
giliblib.u
:/p/d:/i/digi
:/p/d:/i/digi
:/p/d:/i/digi
p
p
p
t
t
t
t
t
t
h htt
h htt
h htt
PROGRAM
STUDI AGRIBISNIS

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

://d
htthpttp:

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

://d
htthpttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

PROGRAM PASCASARJANA
.id
.id
UNIVERSITAS
j.eajc.ac.id
j.eajc.ac.idJEMBER
e
e
n
n
lib.u.un
lib.u.un2009
digi gilib
digi gilib
:// di
htthpttp://

:// di
htthpttp://

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

i

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

://d
htthpttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

://d
htthpttp:

c.id id
c.id id
enj.eaj.ac.
enj.eaj.ac.
n
n
u
u
.
.
ilib ib.u
ilgibilib.upersembahkan untuk
Tesis:/ini
/d:/i/gdsaya
i
//d:/i/gdigil :
:
p
p
t
t
t
t
h http
h http

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

://d
htthpttp:

.id
.id
j.eajc.ac.id
j.eajc.ac.id
e
e
n
n
u
b.u.un
ilgibil.ib.un
igddan
igdiilgi ilibmemberikan
d
d
yang
telah
ilmu
/
/
i
/
/
:
:
/
/
htthpttp:/
htthpttp:/

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

PERSEMBAHAN

1. Ayah, Ibu, Adik dan Istri (Dewi) serta Anak (Ibra dan Nada) tercinta, atas do’a
.id
j.eajc.ac.id
e
n
u
ilib.ib.un
dosentp:yang
/d:/i/gdigilterhormat,
/
hthttp

.id
dan pengertiannya
j.acac.id selama ini;

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

une ej.
ilgibil.ib.un
g
i
d
2. tpPara
guru
dan
:// di
hthttp://

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.i
.ic.id teman-teman
.i
.i id
3. Segenap civitas
Universitas
j.eajc.ac.id
j.eajc.adan
j.eajc.ac.idWiraraja Sumenep
j.eajc.ac.akademika
e
e
e
e
n
n
n
n
u
u
u
u
. n
lib. .un
lib. .un
lib. .un
giilgibilib.u
d/i/gdiigilib
d/i/gdiigilib
d/i/motivasinya.
d/i/gdiigilib
/
/
/
/
/
/
/
/
:
:
:
:
d
seperjuangan,
atas
do'a
dan
p
p
p
p
htt tp:
htt tp:
htt tp:
htt tp:

://d
htthpttp:

membimbing dengan penuh kesabaran;

ht

ht

ht

ht

d

d

d

d

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

://d
htthpttp:

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

://d
htthpttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

://d
htthpttp:

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

://d
htthpttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

ii

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

://d
htthpttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
MOTTO
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

://d
htthpttp:

“Maka sesungguhnya
sebaik-baik .kamu
ialah yang sebaik-baiknya
id
.id
.id

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

ac .id
ac .id
ac .id
nuenj.ej.ac
nuenj.ej.ac
nuenj.ej.ac
u
u
u
.
.
.
b
b
b
i lib. hadis)
gilahli
gili lib. hutang.” (sepakat
gili lib. pada waktu membayar
:/p/d:/i/digi
:/p/d:/i/digi
:/p/d:/i/digi
p
p
p
t
t
t
t
t
t
h
h
h htt
htt
htt

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

://d
htthpttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

://d
htthpttp:

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

://d
htthpttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

://d
htthpttp:

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

://d
htthpttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

iii

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

://d
htthpttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id.id

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

ej.aj.ac
PERNYATAAN
b.unune

ili b.
/d:/i/gdigili
/
:
p
t
hthttp

Saya yang bertanda tangan di bawah ini :

.id
j.eajc.ac.id
eNama
n
u
:
.
n
b u
igdiilgi ilib.
d
/
/
:
htthpttp://
NIM :

.id
j.ac c.id

une ej.a
Isdiantoni
ilib.b.un
ig ili
p://d//dig

htthttp:
061520201001

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

menyatakan dengan
sesungguhnya bahwa
karya ilmiah yang berjudul
: Kajian
.id
ca.icd.id
ca.icd.id
ca.icd.id
a
a
a
.
.
.
j.eajc.ac.id
j
j
j
e
e
e
e
.
.
.
j
j
j
n
n
n
n
e
e
e
b.u un
b.iub.un
b.ub.un
b.u un
Pengembalian
di Kabupaten
adalah benarigili ilib.
igili ilSumenep
igili iliModal
igili ilib. Kredit Penguatan

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

sumbernya, dan belum
.id.id bukan karya
c.id.idinstitusi manapun, cserta
c.id.id pernah diajukan pada

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

id id
.id id dengan sebenarnya,
Demikian
ini sayaj.acbuat
c.id idtanpa adanya j.aca.icd.id
c.pernyataan
enj.eaj.ac.
enej.ac.
enj.eaj.ac.
ne ej.
n
n
n
u
u
u
.
.
.
libil.iub.un
libilib.u
libilib.u
libilib.u
i
i
i
i
g
g
g
g
i
i
i
i
tekanan
dan paksaan darip://dpihak
manapun serta
bersedia mendapatp://sanksi
d//dig
p://d//dig
p://d//dig
//dig

://d dig
htthpttp://

://d dig
htthpttp://

://d dig
htthpttp://

://d dig
htthpttp://

benar hasil karya sendiri, kecuali jika dalam pengutipan substansi disebutkan
a
j.a ac
ej.eaj.ac
nuenj.ej.ac
.ubn.uenej.
bkebenaran
bl.iubatas
bl.iubn.unbertanggung
i
i
i
.
l
l
l
i
i
i
jiplakan.
Saya
jawab
keabsahan
dan
i
g
g
g
l
://di digi
://di digi
://di digi
htthpttp://
htthpttp://
htthpttp://

dengan sikap ilmiah yang harus di junjung tinggi.

.id
j.eajc.ac.id
e
n
u
lib. .un
isinya //sesuai
d/i/gdiigilib
:
p
htthttp:

://d
htthpttp:

://d
htthpttp:

htthttp:

htthttp:

htthttp:

htthttp:

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

://d
htthpttp:

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

b u
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

://d
htthpttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

id
.id
.ajc.a. c.id
j.eajc.ac.id
jIsdiantoni
e
e
n
n
e
u
u
lib. .un
lib. .un
d/i/gdiigilib
d/i/gdiigilib
/
/
/
/
:
:
p
p
htthttp:
htthttp: NIM : 061520201001

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

://d
htthpttp:

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

://d
htthpttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

akademik jika ternyata di kemudian hari pernyataan ini tidak benar.

Jember, 11 Agustus 2009

iv

.id

d
j.acmenyatakan,
ac.i
Yang
.unenej.

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

://d
htthpttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
TESIS
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

://d
htthpttp:

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

://d
htthpttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

ac .i
nuenj.ej.ac
u
.
b
i
.
gil lib
://di digi
htthpttp://

ac .i
nuenj.ej.ac
u
.
b
i
.
gil lib
://di digi
htthpttp://

ac .i
nuenj.ej.ac
u
.
b
i
.
gil lib
://di digi
htthpttp://

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u Oleh
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

j.a ac.
.ubn.uenej.
b
i
l
i
g li
://di digi
htthpttp://

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

://d
htthpttp:

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

://d
htthpttp:

KAJIAN PENGEMBALIAN KREDIT PENGUATAN MODAL
.id d
.id dSUMENEP
.id d DI KABUPATEN

Isdiantoni
NIM 061520201001
c.id id

j.acac.id
Pembimbing
.unenej.

b u
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

Dosen Pembimbing Utama (DPU) : Dr. Ir. Jani Januar, M.T.

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
.id
.id
j.eajc.ac.id
j.eajc.ac.id
j.eajc.ac.id
e
e
e
n
n
n
u
u
u
ib. .un
lib. .un
ilgibil.ib.un Pembimbing Anggota
igdiilRijanto
dIr.
d/i/gdiigilib (DPA) : Prof.
d/i/gdDosen
gilib
/
/
/
i
/
/
/
:
:
:
/
p
p
p
/
htthttp:
htthttp:
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

://d
htthpttp:

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

://d
htthpttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

v

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

://d
htthpttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id.id

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

ej.aj.ac
PENGESAHAN
b.unune

ili b.
/d:/i/gdigili
/
:
p
t
hthttp

KAJIAN PENGEMBALIAN KREDIT PENGUATAN MODAL
d
d
d
ac.i .id
ac.i .id
ac.i .id DI KABUPATEN
nej.ej.ac SUMENEP nej.ej.ac
nej.ej.ac

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

b.u un
igdiilgi ilib.
d
/
/
:
htthpttp://

b.u un
igdiilgi ilib.
d
/
/
:
htthpttp://

b.u un
igdiilgi ilib.
d
/
/
:
htthpttp://

://d
htthpttp:

Kami menyatakan, bahwa kami telah membaca tesis yang telah dipersiapkan oleh
.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/
.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

c.id id

c.id id

c.id id

c.id id

j.a ac.
j.a ac.
j.a.ac. cukup memuaskan
j.eaj.ac. dalam pendapat
Isdiantoni dan
.ubn.uenej.
.ubn.uenej. dalam cakupan
.ubn.uenejkami,
.ubn.uenbahwa,
b
b
b
b
i
i
i
i
l
l
l
l
i
i
i
i
i
i
i
i
g l
g l
g l
g l
://d:/i/digi
://di/digi
://di digi
://di/digi sebagai tesisttpuntuk
dan
Pertanian
htthpttpdalam
htthpttp:/Magister
h http:// memperoleh gelar
htthpkualitas
ttp:/

bidang Agribisnis.

.id
.id
.id
j.eajc.ac.id
j.eajc.ac.id
j.eajc.ac.id
e
e
e
n
n
n
u
u
u
lib. .un
lib. .un
lib. .un
d/i/gdiigilib
d/i/gdiigilib
d/i/gdiigilib
/
/
/
/
/
/
:
:
:
p
p
p
htthttp:
htthttp:
htthttp:
Telah dipertahankan
di depan Tim Pembimbing/Penguji

pada tanggal 11 iAgustus
2009
d

://d
htthpttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c. id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

Ketua,
.id
j.eajc.ac.id
e
n
u
.
n
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

://d
htthpttp:

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

Anggota I, .unenj.eajc.ac.id

ac.i .id
nuenj.ej.ac
u
.
b
gili lib.
:/p/d:/i/digi
p
t
t
h htt

.id
.id
j.eajc.ac.id
j.eajc.ac.id II,
Anggota
e
e
n
n
b.u un
b.u un
igdiilgi ilib.
igdiilgi ilib.
d
d
/
/
/
/
:
:
/
/
htthpttp:/
htthpttp:/

://d
htthpttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id

b u
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

Susunan Tim Penguji

Prof. Rijanto
NIP. 130 206
217
d

Dr. Ir. Jani Januar, M.T.
c.id id
NIP. 195901021988031002
ej.aj.ac.
un e
ilgibil.ib.un
g
i
d
/
i
:/ d
htthpttp://

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

Mengesahkan

Dr. Ir. Sugeng Raharto, MS.
.id
.id
NIP. 195202221980021001
j.eajc.ac.id
j.eajc.ac.id
e
e
n
n
u
u
lib. .un
lib. .un

gi lib
://di digi
htthpttp://

gi lib
://di digi
htthpttp://

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

Ketua Program.acStudi
.icd.id Agribisnis
nej ej.a
libil.iub.un
i
g
i
://d dig
htthpttp://

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

j.acac.i
.ubn.uenej.
b
i
l
i
g li
://di digi
htthpttp://

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

Direktur Program Pascasarjana

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

://d
htthpttp:

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
.id
j.eajc.ac.id
j.eajc.ac.id
e
e
n
n
b.u un
b.u un
igdiilgi ilib.
igdiilgi ilib.
d
d
/
/
/
/
:
:
/
/
tpttp:/
tpttp:/
htProf.
Dr. A. Khusyairi,htM.
h A.
h

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

://d
htthpttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

Prof. Dr. Ir. Soetriono, MP.
NIP. 196403041989021001
.id d

NIP.194012151965011001

vi

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

://d
htthpttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

://d
htthpttp:

.id
.id
j.eajc.ac.id
j.eajc.ac.id
e
e
n
n
b.u.unDesember 1973gilibl.iub.un
: Sumenep,
igdiilgi ilib02
d
/
/
://di digi
:
/
htthpttp://
htthpttp:/
: Jalan Asta Yusuf 53 Talango

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

://d
htthpttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt
.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/
.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

ej.aj.ac.HIDUP
RIWAYAT
b.unune

ili b.
/d:/i/gdigili
/
:
p
t
hthttp

Data Pribadi

.id
j.ac c.id

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h httKelamin
Jenis

une ej.a
: Isdiantoni
ilib.b.un

Agama

: Islam

Nama

.id
j.eajc.ac.id
e
n
.u n
Tempat iTanggal
giilgibilib.u Lahir
d
/
/
:
d
/
htthpttp:/
Alamat
.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

Pendidikan Formal

ig ili
p://d//dig

tthttp:
: hLaki-laki

Sumenep – Madura
c.id.id

ej.aj.ac
bl.iubn.une
i
l
i
g
://di digi
htthpttp://

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

.idtahun
1. SDN Talango
lulus 1986 j.ac.icd.id
cII
id
enj.eaj.ac.
ne ej.a
n
u
.
libil.iub.un
libilib.u
i
i
g
g
i
i
2. SMPN
Talango tahun lulus
1989
p://d//dig
p://d//dig

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

.id
c.id id
ca.icd.id lulus 1997
c.id id
4. Institut Pertanian
j.eajc.ac.idEkonomi Pertanian
enj.eaj.ac.
enj.eaj.tahun
eSosial
enj.eaj.ac. Malang Jurusan
n
n
n
n
u
u
u
u
.
.
.
.
n
b u
ilib b.u
ilib b.u
ilib b.u
igili ilib.
/dig igili
/dig igili Studi Agribisnis
/dig igili Jember padatpProgram
5. ttProgram
p:/p/d://dig Pascasarjana Universitas
ttp:/p://d
t :/p://d
ttp:/p://d

htthttp:

htthttp:

3. SMAN 1 Kalianget tahun lulus 1992

h htt

h htt

h htt

h htt

://d
htthpttp:

tahun lulus 2009.
.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

://d
htthpttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

://d
htthpttp:

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

://d
htthpttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

vii

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://
.id

g

://di

http

.id

j.ac

g

://di

http

une
ilib.

g

://di

http

une
ilib.

ht

.id

j.ac

une
ilib.

g

://di

http

.id

j.ac

une
ilib.

g

://di

http

d

ac.i

ej.
b.un

ili

/dig

:/
http

.id

j.ac

e
b.un
i
l
i
g
i

://d

http

.id

j.ac

une
ilib.

g

://di

http

.id

j.ac

g

://di

http

une
ilib.

.id

j.ac

une
ilib.

g

://di

http

:

http
.id

.id

.id

d

ej.
b.un

ili

d

ej.
b.un

li
iABSTRACT

/dig

:/
http

d

ej.
b.un

ili

/dig

:/
http

:

http
d

ac.i

ac.i

ac.i

ac.i

/dig

j.

.une

lib
digi
/
/
:
p
t

g

://di

http

.id

:/
http

d
ac.i

g

://di

.id

j.ac

une
ilib.

://d
htthpttp:

j.ac
j.ac
j.ac of Capital Improvement
A Study of Return
Credit inunSumenep
Regency; unej.ac
. e
.une
.une
b.
b
b
b
i
i
i
l
l
l
i
i
i
Isdiantoni,
Ir.
and
igili
ig Jani Januar, M.T.
ig supervision of Dr.
ig 061520201001; Under
d
d
d
d
/
/
/
/
/
/
/
/
:
:
:
:
p
http
http Study Program, Post-Graduate
httpIr. Rijanto; Agribusiness
Prof.
Program,httJember
University

d

ili

/dig

:/
http

.id

une
ilib.

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

j.ac

http

ac.i

ej.
b.un

.id

j.ac

j.ac

une
ilib.

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

ej.
b.un

ili

/dig

:/
http

:

http

Capital Reinforcement Credit in Sumenep Regency is a working capital that is
proposed to accelerate
.idagricultural technology
.id the application .aof
.id
.id by farmers.
j c
j.ac
j.ac
j.ac
e
e
e
e
n
n
n
n
u
u
u
u
Through the
it is expected
b.
lib. application of technology,
lib.
lib. that return of farm
igili
dits
digi can increase. In
digi
digi
/
/
/
/
/
/
/
/
:
:
:
:
management
implementation,
however,
this
credit
always
p
p
p
p
htt
htt
htt
htt
experiences problems; the return of credit tends to decrease (the arrears tend to
increase) since capital
issued in 2003. The
d objectives of
d
d reinforcement creditc.iwas
c.id
ac.i for a credit,
a inspire farmers toejapply
ac.i to identify factorsejthat
.
.
.
j
ej.a
e
this research .are;
(1)
n
n
n
n
u
u
u
u
.
.
.
ilib
ilib
ilib
ilib
(2) totpidentify
factors that influence
farmers’ returntp:of
/digto
/digfarm management,tp:(3)
/dig
/dig
/
/
/
/
:
:
p
t
t
t
ht
ht
analyze
efficiency level ofh their farming business,
and (4) to analyze hlevel of
credit return and the factors that influence it, by using Exploratory Factor
c.id
c.id
c.id
c.id statistical analysis
Analysis, econometrical
ej.a analysis of farm .unej.a
ej.a (multiple regression),
ej.a
n
n
n
u
u
u
.
.
.
ilib
ilib
management
The results
gof
ganalysis.
gilib logistic regression
gilib efficiency (R/C)//dand
://di
://di
: i
://di
p
p
p
p
t
t
t
t
t
t
t
t
h
analysis
of factors showedhthat the main reasons hof farmers to apply forh a credit
were (1) farmers’ internal factors (2) factor of credit facility (3) factor of credit
.id
.id
.id
.id
requirements. Meanwhile,
the factors that
j.ac return of farm nej.ac
j.acsignificantly influenced
j.ac
e
e
e
n
n
n
u
.u
management
capital reinforcement
credits were i(a)
b.u
b.for
b.uof farmers applying
gilib
igili
igili
igili
d
d
d
d
/
/
/
/
/
/
/
/
:
:
:
:
production
of farm management,
(b) cost of production
equipment, (c) labor
http cost,
http
http
http
(d) other input costs. The efficiency of farm management (R/C) of paddy in
Sumenep Regency had
the capital
.id
.id
.id Farmers who had.asettled
.id reached efficient level.
j.ac
j c
j.ac
j.ac
e
e
e
e
n
n
n
n
reinforcement
credit
had
higher
efficient
level
(R/C=1.60)
than
those
who
had
not
u
u
u
u
lib.
lib.
lib.
lib.
digi
digithe credit. Furthermore,
digi ability in returning
digi so that they hadp:/more
/
/
/
/
/
/
/
(R/C=1.54),
:
:
:
p
p
p
htt
htt
htt
htt
level of return of capital reinforcement credit from 2003-2006 tended to decrease
(the amount of arrears
tended to increase).
In line with this,
factors that
d
d
d
.id
ac.i
ac.ireturn of capital reinforcement
ac.i
.
.
.
j
j
j
significantly influenced
the
opportunity
of
credit .unej.ac
e
e
e
n
n
n
u
u
u
.
.
.
ilib
ilib
ilib
gilib management income,
were: (a)
/dig
/diggroup and (c) application
/dig (b) class of farmers
/difarm
/
/
/
/
:
:
:
:
p
p
p
p
t
t
t
t
ht
ht
ht
of cultivation
technology, ht
d
c.id efficiency
Keywords: return
ac.icredit, farm management
ej.a
ej.of
g

://di

http

un
ilib.

g

://di

http

un
ilib.

g

://di

http

.id

:

http

:

http

:

http

:

http

:

http

.id

j.ac

j.ac

une
ilib.

:

http

g

://di

http

une
ilib.

:

http

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

://d
htthpttp:

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

.id
j.eajc.ac.id
e
n
b.u un
igdiilgi ilib.
d
/
/
:
/
htthpttp:/

://d
htthpttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

://d
htthpttp:

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

c.id id
enj.eaj.ac.
n
u
.
ilib ib.u

viii

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

j. ac
.ubn.uenej.
b
i
l
i
i
g l
://di digi
htthpttp://

://d
htthpttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

://d
htthpttp:

c.id.id

c.id.id

c.id.id

c.id.id

c.id id
enj.eaj.ac.
n
u
.
ilib b.u
/d:/i/gdigili
/
:
p
t
hthttp

j.a c Modal di Kabupaten
j.a c
j.a c
j.a c
Kajian Pengembalian
Kredit Penguatan
Sumenep;
un.uenej.a
un.uenej.a
un.uenej.a
un.uenej.a
.
.
.
.
b
b
b
b
i
i
i
i
l
l
l
l
i gilib
gi lib
gi lib
igdiigilib
Isdiantoni,
Januar, M.T. dan
/digdJani
i
://di digi bimbingan Dr.
://di digi061520201001;ttpDibawah
:/Ir.
://dProf.
h http://
htthpttp://
htthpttp://
htthpttp://
Ir. Rijanto; Program Studi Agribisnis, Program Pascasarjana, Universitas Jember

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt

c.id id
c.id id
c.id id
ABSTRAK
enj.eaj.ac.
enj.eaj.ac.
enj.eaj.ac.
n
n
n
u
u
u
.
.
.
giliblib.u
giliblib.u
giliblib.u
:/p/d:/i/digi
:/p/d:/i/digi
:/p/d:/i/digi
p
p
p
t
t
t
t
t
t
h htmerupakan
h htt penguatan modal hdihttKabupaten Sumenep,
t
Kredit
kredit

c.id id
enj.eaj.ac.
n
u
.
giliblib.u
:/p/d:/i/digi
p
t
t
h htt kerja
modal

://d
htthpttp:

://d
htthpttp:

.id
j.eajc.ac.id
e
n
u
lib. .un
d/i/gdiigilib
/
/
:
p
htthttp:

yang ditujukan untuk memacu penerapan teknologi pertanian oleh petani. Melalui
d
.icd.id
.id
penerapan teknologi
petani j.meningkat.
Dalam j.aca.icd.id
ajc.a.ic.id
j.eajc.pendapatan
j.eajc.ac.id ini diharapkan
a
e
e
e
n
n
n
e
une ej.
u
u.un
u
pelaksanaannya
permasalahan,
ilgibil.ib.un
ilgibil.ib.un yaitu menurunnya
ilgibil.imengalami
ilgibil.ib.un kredit ini selalu
b
g
g
g
g
i
i
i
i
d
d
d
d
:// di
:// di
:// di
:// di
tingkat
htthpttp:// dan
htthpttp:// semakin meningkat)
htthpttp://(jumlah tunggakannya
htthpttp://pengembalian kredit
jumlahnya cenderung meningkat sejak kredit penguatan modal digulirkan dari
tahun 2003. Penelitian
ini mempunyaic.idtujuan;
(1) mengetahui
.id
.id faktor yang
.id
j.eajc.ac.id
j.eajc.ac.id
j.eaj.ac.id
j.eajc.ac.id
e
e
e
e
n
n
n
n
mendasariilibkeputusan
petani
meminjam
kredit,
(2)
mengetahui
faktor-faktor
yang
u
u
u
u
. .un
lib. .un
lib. .un
lib. .un
d/i/gdiigilib
d/i/gdiigilib efisiensi usahataninya
d/i/gdiigilib(3) mengetahuip:/tingkat
d/i/gdigilib pendapatan ppetani,
/
/
/
/
/
/
/
:
:
:
mempengaruhi
p
p
htthttp:
htthttp:
htthttp:
htt ttp:
danh (4) mengetahui tingkat
pengembalian kredit
dan faktor-faktor
yang
mempengaruhinya,iddengan menggunakan ialat
analisis faktor (Exploratory
Factor
d
c.id id
ca.icd.id
.id
aRatio)
ajc.a. c.idR/C (Return Cost
ajc.a.regresi
.
.
.
c
j
j
j
Analysis), analisis
berganda,
analisis
dan
analisis
enj.eaj.ac.
e
e
e
.
j
n
n
n
n
e
e
e
u
u
u
u
.
.
.
.
n
n
n
b u
lib .u
ilib b.u
ilgibilib.u menunjukkan, dbahwa
igdiilgi ilib. Hasil analisis
regresi
d/i/gdiigilib
/petani
/:/i/gdigili alasan utama
/d:/i/gdfaktor
/d:/logistik.
i
/
/
/
/
:
:
:
:
/
p
p
p
p
t
t
t
t
:
thttp
thttp
hthttp modal yaitu; (1) hfaktor
hthttp
mengambil
kredit penguatan
internal petani; h(2)
faktor
fasilitas kredit; serta (3) faktor persyaratan kredit. Kemudian faktor-faktor yang
d
c.icd.id
c.id.id
mempeng