Analisis Pengambilan Keputusan Keikutsertaan Petani Pada Program Asuransi Usaha Tani Padi (AUTP)di Kabupaten Malang

Abstract

This research aims to find factors that allegedly affect the decision of farmers to participate in insurance that can protect their farming is Asuransi Usaha Tani Padi (AUTP) from PT Jasindo (Persero). The research area in Malang, conducted for 3 (three) months from October 2016 until December 2016. The study population includes participants AUTP in all Malang regency. The sample is determined by random sampling technique. Using Slovin formula, respondents were chosen from three districts in Malang , namely: 1) Kecamatan Turen as many as 25 people, 2) Kec Pagak as many as 8 people, and Kec Wonosari as many as 14 people. Data collections using questionnaire with rating scale. Test the validity and reliability of the instrument using Cronbach Alpha Correlation with valid and realible results. Data analysis technique is Multiple Linear Regression Analysis with equation Y = a + b1x1 + b2x2 + b3x3 + b4x4 + e. The results of the analysis data states that factors influencing the decision of farmer participation in AUTP program in Malang are: 1) perception factor with t value on perception variable (X2) 2,435 while t table 2,132, or P-value = 0.022 less than α = 0.05 showed a positive and significant influence of 0.455, and 2) confidence / trust factor with t value on confidence variable (X3) of 2,493 while t table was 2,132, or P-value = 0.019 less than α = 0.05 showed a positive influence and a significant of 0.448. That allows for PT Jasindo Persero Area Malang to increase the number of AUPT customers by taking account by the following factors: 1) Perception Factor and 2) Factors of belief / trust.

Keywords: Insurance, AUTP, Perception, participation, and decision making