POLA PEMBIAYAAN DAN KINERJA USAHATANI BUDIDAYA PERIKANAN DI DESA TAMBAK REJO KECAMATAN PADANGJAYA KABUPATEN BENGKULU UTARA

The research was conducted in Tambak Rejo village sub district Padang Jaya district Bengkulu Utara, in June until July 2013. One of agricultural commodities, which is potential and have a good market opportunity in supporting agricultural development, is aquaculture sector. The aim of this research is to determine the pattern of lending and the business performance of aquaculture farmer in Tambak Rejo village sub district Padang Jaya district Bengkulu Utara. The respondent of the research was the aquaculture business groups who are settled in tambak rejo village and do the aquaculture business as much 58 respondent. From the analyzed result, it is known that the capital used were the group of formal and informal capital. For the formal capital lending, the source of capital is from Bank Mandiri, Bank BRI, and Pos Giro and the informal capital lending is from the profit sharing (individually) dan wholesaler. The value of the average results of the analysis of R/C ratio on formal and informal pattern of lending in mind that averaged rataR/C ratio, the highest on the lending of the middleman of 1.40 and lowest on formal of lending bank BRI amounting to 1.06. From the average R/C ratio on both the pattern of business of lending aquaculture pond didesa rejo gained $ 1.22 to illustrate that such efforts can be efficiently where the value of R/C ratio on aquaculture is greater than 1