MODEL PENGEMBANGAN KELEMBAGAAN PEMBIAYAAN AGRIBISNIS SUB SEKTOR PERIKANAN DAN KELAUTAN DI KABUPATEN JEMBER

Abstract

The research was motivated by the lack of institutional financing and lack of partisanship against the owners of capital in business activities and the marine fisheries sub-sector. Considerable potential for this is still not optimized as a potential market financial institutions that feasible. Actually the government has begun trying to give a stimulant to introduce a variety of empowerment programs. However, the level of implementation is still not as expected. Based on this background this study aims to determine the pattern of existing financing, the difference in income of the people who take advantage of such financing, find out the factors that affect the public interest and financing models that are considered more effective according to aspects of the locality. The results showed that the pattern of non Swamitra mina system has a simple mechanism while the Swamitra pattern has a mechanism as the mechanism of banking, there is no income difference beetween who choose non Swamitra income and who choose Swamitra mina, variavel that have significant effect on the pattern of financing interest are the age (X2) , duration of business (X3), the experience of other capital gain (X4), and easy of access (X7). Financing models are being recommended is to develop a model of "pattern Swamitra Mina" which currently running.