Judul: Adverse selection and moral hazard in credit schemes of Agribusinees Microfinance Institution (MFI-A) PUAP in Padang City
Abstrak: PUAP is a program aimed to establish Microfinance Institution (MFI-A), in the city of Padang, MFI-A PUAP has been established since 2009. However, its establishment was initially intended to gain access to PUAP funds, consequently causing problems in the disbursement and refund credit PUAP in each MFI-A. It can be seen from the value of Non-Performing Loan (NPL) MFI-A in the city of Padang, for example, in February 2013 reached 48.21 percent. Under these conditions, the purpose of this study was (1) to analyze the probability accessing credit with a credit scheme in the MFI group-A PUAP, (2) to analyze the factors that lead to adverse selection in the establishment of MFI-A PUAP and (3 ) to analyze the factors that can lead to moral hazard in the credit scheme of MFI-a PUAP in Padang. The research was conducted in Padang city, West Sumatra Province. West Sumatra is one of recipient provinces of PUAP that has initiative found MFI-A for the management of funds in the first year PUAP runed. The data used in this thesis are secondary data and primary data such as questionnaires and interviews to administrators and members of MFI-A Extension as well as Mitra Tani. We collected 18 samples of MFI-A spreaded over 9 districts in the city of Padang from 2009-2012. Statistical methods of logit model was used to analyze the data.. The Logit analysis showed that factors determined the probability to increase credit access to the banks is the financial resources in addition to MFI-A PUAP funds and the visiting of loan officers. Logit analysis results for adverse selection in MFI-A PUAP proxied through risk in the group influenced by age, the number of members of the group, region of birth, get to know other members of the group, knowing selling group members, member selection, the main job accordance with the draft Joint Effort (RUB) and involvement in Extension Mitra Tani (PMT) can reduce the occurrence of adverse selection. While the average distance between members and MFI-A was create when PUAP establish increases the chances of adverse selection in MFI-A PUAP. Logit analysis for the failure of payment indicating the occurrence of moral hazard is influenced by factors age, family size and region of birth credit reducing the occurrence of default, besides that credit size, the sex and the average distance between members can improve chances in the failure of payment. The LKM-A getting credit access in the bank is that the one who have low NPL grade and do not have moral hazard problem as well as LKM-A that have adverse selection in moral hazard.
Keyword: adverse selection, moral hazard, credit acces, MFI-A, PUAP

Judul: Faktor-faktor yang Memengaruhi Moral Hazard Program Dana Pengembangan Usaha Agribisnis Perdesaan (PUAP), Studi Kasus Cianjur Selatan
Abstrak: Penelitian ini mengambil kasus di Cianjur wilayah Selatan di Kec. Campaka dan Kec. Campakamulya. Pengambil sampel ini didasari karena Kab. Cianjur merupakan kabupaten penerima terbanyak program dana PUAP pada tahun 2009 dan fokus pada pertanian dan kecamatan tersebut merupakan kecamatan yang berada pada tingkat Pra Sejahtera dan Sejahtera 1. Selain itu, Kec. Campaka dan Campakamulya merupakan penerima dana PUAP yang memiliki jumlah Gabungan Kelompok Tani (Gapoktan) terbanyak. Metode pengambilan sampel yang digunakan adalah metode purposive sampling (sengaja) yang terdiri dari ketua Gapoktan, ketua Kelompok Tani (Poktan), dan dua anggota Poktan. Hasil penelitian menunjukkan yang menerima dana PUAP sebanyak 27 persen responden yang berada di bawah garis kemiskinan. Hal ini menandakan bahwa tujuan program PUAP yaitu untuk mengurangi kemiskinan tidak tepat sasaran. Selain itu, program PUAP berhasil dalam mengurangi tingkat pengangguran dilihat dari jumlah anggota poktan meningkat dibandingkan awal pemberian dana PUAP. Sebanyak sepuluh persen anggota meminjam kepada pihak informal (teman/tetangga, saudara, dan rentenir) dan 15 persen meminjam pada pihak bank atau lembaga formal. Artinya, program PUAP telah baik dalam mengakses karena dapat mengurangi pinjaman informal dan kepada petani yang tidak memiliki jaminan fisik. Penerapan pinjaman tanggung renteng hanya ada lima orang atau sepuluh persen kelompok menanggung anggota yang gagal bayar dan 65 persen anggota lebih menyukai pinjaman kelompok. Artinya, anggota tidak mengetahui sistem pinjaman kelompok. Faktor-faktor yang memengaruhi moral hazard adalah dummy jenis pekerjaan, dummy peer selection, dummy homogenitas, dan dummy solidaritas kelompok.
Keyword: TNP2K (Tim Nasional Percepatan Penanggulangan Kemiskinan), physical collateral, adverse selection, monitoring cost, domino effect, Pengembangan Usaha Agribisnis Perdesaan (PUAP)

Judul: Penggunaan bahan pemutih hidrogen peroksida (H2O2) pada ikan teri asin (Stelophorus commersonii) kering tawar
Abstrak: Teri nasi (Stelophorus commersonii) merupakan salah satu spesies dari ikan teri. Berdasarkan kekringannya, teri nasi dibedakan menjadi dua bentuk yakni teri nsi kering dan teri nasi setengah kering. Berdasarkan rasa, dibedakan menjadi teri nasi asin dan teri nasi tawar.
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