PERBEDAAN PENDAPATAN PETERNAK SAPI PERAH YANG MENGGUNAKAN DAN TIDAK MENGGUNAKAN KREDIT PADA ANGGOTA KUD DADI JAYA PURWODADI PASURUAN

The livestock sector in Indonesia has experienced an increase in line with increasing population growth. The dairy farming business in Indonesia is still dominated by small and medium scale businesses. Limited access to capital is a major factor in increasing business scale. The aim of this research is to determine the mechanism for distributing credit to dairy cattle in KUD Dadi Jaya, Purwodadi District, Pasuruan Regency, and to determine the difference in income between dairy farmers who use credit and those who do not use credit. This research uses qualitative and quantitative methods using primary and secondary data from the Guidelines for distributing credit at KUD Dadi Jaya and Dairy Cattle Farmers who use credit and do not use credit for members of KUD Dadi Jaya. The sample used was 82 breeders consisting of 55 breeders who used credit and 27 breeders who did not use credit. This research uses income analysis and the T test. The results of this research show that the calculated t value is 2.105 > t table value = 1.677 and the Sig 2 (tailed) value is 0.045 where the value is < 0.05, so it can be concluded that there is a difference significant difference between breeders who use credit and breeders who do not use credit.