DOI: https://doi.org/10.14710/agrisocionomics.v7i1.16341

FARMER’S DECISIONS TO TAKE CREDIT IN INDONESIA

*Dwi Martha Yulia  -  Departement of Agribusiness, Faculty of Economics and Management, IPB University, Bogor, Indonesia, Indonesia
Dwi Rachmina  -  Departement of Agribusiness, Faculty of Economics and Management, IPB University, Bogor, Indonesia, Indonesia
Feryanto Feryanto  -  Departement of Agribusiness, Faculty of Economics and Management, IPB University, Bogor, Indonesia, Indonesia
Open Access Copyright 2023 Agrisocionomics: Jurnal Sosial Ekonomi Pertanian under http://creativecommons.org/licenses/by-sa/4.0.

Citation Format:
Abstract

Credit is one of the most effective financings at the farmer level because it is more easily accessible to micro-enterprises and is intended to empower farmers to increase their production. However, access to credit at the farmer level is not easy. In addition, the small scale of the farmer's business causes the limited ability of farmers to increase business capital through microfinance institutions and banks. This study aims to analyze factors influencing farmers to take credit in Indonesia. The data analysis method used is binary logit regression which can analyze the relationship between variables that are thought to influence the decision of farmers to take credit using fourteen predictor variables consisting of five demographic variables and nine livestock business variables. The data is sourced from the 2014 Livestock Business Household Survey with a total sample of 42,392 because data that can be used to represent and complete on a national scale for the livestock sub-sector. The results showed that the variables that influenced the decision of farmers to take credit, namely the location of the livestock business, the age of the breeder, gender, type of livestock, number of dependents in the family, farming experience, land ownership, association membership, collective membership, farmer groups, counseling, and partnerships had a significant effect. Statistically. While the variables of education level and ownership of livestock business facilities are not statistically significant. Thus the policy of providing financing and capital facilities through credit distribution as a strategy for empowering farmers and micro business actors in the agricultural sector can be an incentive for farmers to increase their production and can continue to be an instrument of agricultural capital policy.

Fulltext View|Download
Keywords: credit, livestock business, binary logit regression

Article Metrics:

Article Info
Section: Articles
Language : EN
Recent articles
INVESTMENT AND RESILIENCE OF THE AGRICULTURAL SECTOR FACING THE COVID 19 CRISIS SUSTAINABILITY OF PRODUCTION, SALES, AND PRICES OF HERBAL DRINK PRODUCTS DEVELOPED BY THE CENTER FOR AGROTECHNOLOGY INNOVATION (PIAT) UGM: A BREAK-EVEN POINT APPROACH OPTIMIZING RESOURCES IN THE INTERCROPPING FARMING SYSTEM IN TABANAN REGENCY, BALI PROVINCE More recent articles
  1. [BBP2TP] Balai Besar Pengkajian Pengembangan Teknologi Pertanian. (2011). Petani Butuh Modal. Agro Inovasi
  2. Abadi, A. F. (2014). Analisis Pengaruh Karakteristik Peminjam, Besar Pinjaman, Jenis Usaha, dan Lama Usaha Terhadap Tingkat Kelancaran Pengembalian Kredit Usaha Rakyat (KUR) Mikro (Studi Kasus pada Debitur KUR Mikro BRI Unit Kendal Kota) [Universitas Diponegoro]. http://eprints.undip.ac.id/43426/
  3. Abubakar, D., Anggraeni, L., & Fariyanti, A. (2019). Analisis Pengaruh Kredit terhadap Efisiensi Usahatani Padi di Pulau Jawa. Jurnal Ekonomi Dan Kebijakan Pembangunan, 8(2), 120–144. https://doi.org/10.29244/jekp.8.2.2019.120-144
  4. Achmad, M., Hartoyo, S., Mangkuprawira, T. S., Kusnadi, N., Ekonomi, F., & Bogor, I. P. (2012). Pengaruh Aksesibilitas Penyuluhan dan Kredit terhadap Efisiensi Usahatani Padi di Jawa. Trikonomika, 11(1), 69–80
  5. Aristanto, E. (2019). Optimalisasi Peran Pemerintah Daerah dalam Mendukung Penyaluran Kredit Usaha Rakyat di Jawa Timur. Jurnal Manajemen Dan Kewirausahaan, 7(1). https://doi.org/10.26905/jmdk.v7i1.2841
  6. Atmakusuma, J., Sinaga, B. M., Kusnadi, N., Kariyasa, I. K., Ekonomi, F., & Bogor, I. P. (2019). Dampak Pinjaman Sarana Produksi Ternak terhadap Kesejahteraan Rumah Tangga Peternak Sapi Perah di Lembang. Jurnal Agribisnis Indonesias, 7(1), 1–12
  7. BPS. (2015). Analisis Rumah Tangga Usaha Peternakan di Indonesia Hasil Survei Rumah Tangga Usaha Peternakan Tahun 2014. Badan Pusat Statistik
  8. Diana, R. (2019). Analisis Aksesibilitas Permodalan Usaha Mikro Kecil Di Provinsi Sumatera Barat. Jurnal Ekonomi Pembangunan, 27(1), 67–80. https://doi.org/10.14203/jep.27.1.2019.67-80
  9. Ditjen PKH. (2021). Realisasi KUR Sektor Peternakan Tahun 2019 Mencapai 3,42 Triliun. http://ditjennak.pertanian.go.id/realisasi-kur-sektor-peternakan-tahun-2019-mencapai-3-42-triliun
  10. Fauzan, A. (2017). Uji Beda Pendapatan Peternak Ayam Ras Petelur Dengan Pemberian Kredit Perbankan di Kabupaten Langkat. In Jurnal Pembangunan Wilayah & Kota (Vol. 1, Issue 3). Universitas Sumatera Utara
  11. Feryanto, & Rosiana, N. (2021). Penggunaan Telepon Seluler Untuk Pemasaran Serta Dampaknya Terhadap Kesejahteraan Petani. Jurnal Agrisep, 20(1), 25–40. https://doi.org/10.31186/jagrisep.20.1.25-40
  12. Firmansyah, D., Arsyad, A., & Nahraeni, W. (2017). Pengaruh Pemberian Kredit Dan Faktor – Faktor Yang Mempengaruhi Produksi Usaha Sapi Perah. Jurnal Agribisains, 2(2), 1–10. https://doi.org/10.30997/jagi.v2i2.774
  13. Hosmer, D. W., & Lemeshow, S. (2013). Applied Logistic RegressionThird Edition. In Biometrics (Vol. 47, Issue 4). John Wiley & Sons, Inc. https://doi.org/10.2307/2532419
  14. Kusumaningtyas, I. (2017). Pengaruh Karakteristik Personal, Karakteristik Usaha, Karakteristik Kredit, dan Jaminan terhadap Tingkat Pengembalian Kredit Di BPR Nusamba Adiwerna Kabupaten Tegal Tahun 2016. Multiplier: Jurnal Magister Manajemen, 1(2), 1–20. https://doi.org/10.24905/mlt.v1i2.772
  15. Mandaka, S., & Hutagaol, M. P. (2015). Analisis Fungsi Keuntungan, Efisiensi Ekonomi Dan Kemungkinan Skema Kredit Bagi Pengembangan Skala Usaha Peternakan Sapi Perah Rakyat Di Kelurahan Kebon Pedes, Kota Bogor. Jurnal Agro Ekonomi, 23(2), 191–209
  16. Marantika, C. R., & Sampurno, R. D. (2018). Analisis Faktor-Faktor Yang Mempengaruhi Kelancaran Pengembalian Kredit Usaha Rakyat (KUR) Mikro. Dipenogoro Journal Of Management, 2(2), 1–14
  17. Mawarni, V. (2021). Faktor yang Memengaruhi Petani Kopi Bergabung pada Koperasi dan Dampaknya terhadap Kinerja Usahatani. IPB University
  18. Mawesti, D., Afrina, E., Lauranti, M., & Zunivar, A. Y. (2018). Inklusi Keuangan Bagi Perempuan: Akses dan Pemanfaatan Kredit Usaha Rakyat (Studi Kasus: Kabupaten Lombok tengah, Kabupaten Indramayu, dan Kotamadya Jakarta Selatan). In Perkumpulam PRAKARSA (Vol. 1, Issue 69)
  19. Mayangsari, D., Prasetyo, E., & Mukson. (2014). Evaluasi Kredit Usaha Peternakan Sapi Potong Pada Kelompok Tani Ternak. JEJAK: Jurnal Ekonomi Dan Kebijakan, 7(1), 14–21. https://doi.org/10.15294/jejak.v7i1.3839
  20. Muljarijadi, B. (2018). Perkembangan dan Prospek Investasi di Jawa Barat Peningkatan Peran dan Kualitas PMPTSP Dalam Mewujudkan Jabar Juara Lahir dan Batin Padalarang. November
  21. Nkuah, J. K., Paul, J., & Kala, T. (2013). Financing Small and Medium Enterprises ( Smes ) in Ghana : Challenges and Determinants in Accessing Bank Credit. International Journal of Research in Social Sciences, 2(3), 12–25
  22. Ogwuike, P. C. A., Ogwuike, C. O., & Arouna, A. (2022). Impact of the adoption of technological innovation on the credit acquisition of rice farmers in Senegal: A propensity score matching technique. African Journal of Science, Technology, Innovation and Development, 14(2), 478–488. https://doi.org/10.1080/20421338.2020.1855746
  23. OJK. (2015). Tinjauan kebijakan OJK. Ojk, 45
  24. OJK. (2020). Salinan peraturan otoritas jasa keuangan republik indonesia, nomor 11/Pojk.03/2020. 2019, 1–23. https://peraturan.bpk.go.id/Home/Download/126415/Peraturan OJK Nomor 11 Tahun 2020.pdf
  25. OJK. (2021). Laporan Profik Industri Perbankan Triwulan IV 2020
  26. Putri, A. A., Rachmina, D., & Fariyanti, A. (2021). Pengaruh Kredit Ketahanan Pangan dan Energi (KKPE) terhadap Produksi Ayam Ras Pedaging di Sumatera Barat. 9(1), 1–12
  27. Rachmawati, R. R., & Gunawan, E. (2020). Peranan Petani Milenial mendukung Ekspor Hasil Pertanian di Indonesia. Forum Penelitian Agro Ekonomi, 38(1), 67. https://doi.org/10.21082/fae.v38n1.2020.67-87
  28. Sinaga, S. V., Harianto, H., & Suharno, S. (2019). The Analysis Of Propensity Score Matching On The Economic Effect Of C.A.F.E. Practices Certification Toward Lintong Coffee Farming In North Sumatra. Jurnal AGRISEP : Kajian Masalah Sosial Ekonomi Pertanian Dan Agribisnis, 18(1), 139–152. https://doi.org/10.31186/jagrisep.18.1.139-152
  29. Susilowati, S. H. (2016a). Fenomena Penuaan Petani dan Berkurangnya Tenaga Kerja Muda Serta Implikasinya Bagi Kebijakan Pembangunan Pertanian. Forum Penelitian Agro Ekonomi, 34(1), 35–55
  30. Susilowati, S. H. (2016b). Kebijakan Insentif Untuk Petani Muda: Pembelajaran dari Berbagai Negara dan Implikasinya bagi Kebijakan di Indonesia. Forum Penelitian Agro Ekonomi, 34(2), 103. https://doi.org/10.21082/fae.v34n2.2016.103-123
  31. Tampubolon, R. N., Mawesti, D., Rahayuningrum, D., & Lauranti, M. (2017). Peran Perbankan Menuju Keuangan Inklusif di Indonesia. Responsi Bank Indonesia, 1–76
  32. World Bank. (2011). Diagnosa Pertumbuhan Ekonomi Jawa Timur

Last update:

No citation recorded.

Last update:

No citation recorded.