Analisis faktor-faktor yang mempengaruhi keputusan petani hortikultura dalam mengakses pembiayaan mikro di Jawa Timur

Abstract

Access to capital sources is still the main problem faced by farmers in Indonesia, the majority of whom have narrow land and was not considered bankable by financial institutions providing credit. Therefore, this study focuses on the effect of microfinance access on improving farmers 'welfare by observing farmers' behavior in using the capital they receive. The purpose of this study were 1) Identify the implementation of microfinance by horticultural farmers in East Java 2) Analyze the factors that influence the decision of horticultural farmers in East Java in accessing microfinance. The method of determining the location of the research was carried out in two locations, namely (a) Wonomulyo Village, Poncokusumo Subdistrict, Malang Regency, dan (b) Ngadirejo Village, Tutur Subdistrict, Mojokerto Regency. Both of these locations were chosen purposively because they were the centers producing vegetables in East Java with the most financial institutions. Determination of the number of samples in this study was carried out using the Slovin formula using proportional stratified sampling method. The total sapel in this study was 160 farmers. To answer these problems descriptive analysis, logistic regression analysis (logit) was used. Formal institutions assigned to channel the funds include government banks and private banks. Informal institutions that carry out the distribution of micro-credit funds are the private sector or institutions from the farmers themselves. The majority of farmers generally know that the level of formal financing sources is indeed lower, but administrative procedures are considered difficult. Based on the results of logistic regression analysis for the factors that influence the decisions of Horiculture farmers in East Java in accessing credit, including education, length of business, land area, and income.