Faktor-Faktor yang Memengaruhi Keputusan Petani Cabai Merah di Indonesia untuk Mengambil Kredit
Abstract
Red pepper is a horticulture commodity that has fluctuating prices in the market. The fluctuating price is affected by the availability of the peppers. Meanwhile, the availability of red peppers depends on production activities at the farm level. However, farmers require a big capital to produce these red peppers. Inadequate capital leads to low crop production, which is a common problem among these farmers. Farmer financing is done to overcome this low crop production, one of which is channelling credit to them. Although this credit facility has been provided, only a few farmers used it. Therefore, it is necessary to research the factors that influence Indonesian red pepper farmers’ decisions to use credit. This study uses a binary logistic regression model to determine factors that influence red pepper farmers’ decisions to use credit in Indonesia to use credit. The results revealed that farm location, age, formal education, gender, cooperative membership, farmers group membership, partnership, agricultural extension, and machinery significantly influenced the farmers’ decision to take credit as a capital resource.
References
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Chandio, A. A., Jiang, Y., Rehman, A., Twumasi, M. A., Pathan, A. G., & Mohsin, M. (2021). Determinants of demand for credit by smallholder farmers’: A farm level analysis based on survey in Sindh, Pakistan. Journal of Asian Business and Economic Studies, 28(3), 225–240. https://doi.org/10.1108/JABES-01-2020-0004
Chandio, A. A., Jiang, Y., Wei, F., Rehman, A., & Liu, D. (2017). Famers’ access to credit: Does collateral matter or cash flow matter?—Evidence from Sindh, Pakistan. Cogent Economics & Finance, 5(1), 1369383. https://doi.org/10.1080/23322039.2017.1369383
Damayanti, M & Adam, L. (2015). Kertas Kerja TNP2K 27-2015: Program Kredit Usaha Rakyat (KUR) sebagai Alat Pendorong Pengembangan UMKM di Indonesia. Tim Nasional Percepatan Penanggulangan Kemiskinan (TNP2K). https://repositori.tnp2k.go.id/api/v1/online-repo/files/792/id/.
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Hardana, A. E., Pratiwi, D. E., & Ambayoen, M. A. (2019). Analisis faktor –faktor yang mempengaruhi keputusan petani hortikultura dalam mengakses pembiayaan mikro di Jawa Timur. Prosiding Seminar Nasional Lingkungan Lahan Basah, 4(1), 38–44.
Iski, N., Kusnadi, N., & Harianto, H. (2016). Pengaruh Kredit Terhadap Pendapatan Petani Kopi Arabika Di Kabupaten Aceh Tengah Provinsi Aceh. Jurnal Manajemen dan Agribisnis, 13(2), 132–144. https://doi.org/10.17358/JMA.13.2.132
Kaupa, S., Kamuinjo, A., & Shindume, S. (2022). Challenges faced by public-private partnership initiatives in agriculture in namibia: a case study of mashare irrigation scheme in the kavango region. Academy of Entrepreneurship Journal,28(3), 1–9.
Kehinde, A. D., & Ogundeji, A. A. (2022). The simultaneous impact of access to credit and cooperative services on cocoa productivity in South-western Nigeria. Agriculture & Food Security, 11(1),1–21. https://doi.org/10.1186/s40066-021-00351-4
Kiros, S., & Meshesha, G. B. (2022). Factors affecting farmers’ access to formal financial credit in Basona Worana District, North Showa Zone, Amhara Regional State, Ethiopia. Cogent Economics & Finance, 10(1), 2035043. https://doi.org/10.1080/23322039.2022.2035043
Lam, B. T., Hop, H. T. M., Burny, P., Dogot, T., Cuong, T. H., & Lebailly, P. (2019). Impacts of Credit Access on Agricultural Production and Rural Household’s Welfares in Northern Mountains of Vietnam. Asian Social Science, 15(7), 119–133. https://doi.org/10.5539/ass.v15n7p119
Lazaro, A. M., & Alexis, N. (2021). Determinants of credit demand by smallholder farmers in Morogoro, Tanzania. African Journal of Agricultural Research, 17(8), 1068–1080. https://doi.org/10.5897/AJAR2020.15382
Lika, E. (2021). Analisis keputusan petani dalam pengambilan kredit sektor pertanian Kecamatan Lamaknen Kabupaen Belu. Jurnal Ilmiah Akuntansi, 4(2), 830–850.
Luan, D. X., & Kingsbury, A. J. (2019). Thinking beyond collateral in value chain lending: Access to bank credit for smallholder Vietnamese bamboo and cinnamon farmers. International Food and Agribusiness Management Review, 22(4), 535–555. https://doi.org/10.22434/IFAMR2019.0030
Mardiyanto, T. C., Prastuti, T. R., & Pangestuti, R. (2017). Analisa kelayakan usaha budidaya bawang merah ramah lingkungan di Kabupaten Tegal. AGRONOMIKA,12(1), 34–39.
Misqi, R. H., & Karyani, T. (2020). Analisis risiko usahatani cabai merah besar (Capsicum annuum L.) di Desa Sukalaksana Kecamatan Banyuresmi Kabupaten Garut. Mimbar Agribisnis: Jurnal Pemikiran Masyarakat Ilmiah Berwawasan Agribisnis, 6(1), 65–76. https://doi.org/10.25157/ma.v6i1.2684
Moahid, M., Khan, G. D., Yoshida, Y., Joshi, N. P., & Maharjan, K. L. (2021). Agricultural Credit and Extension Services: Does Their Synergy Augment Farmers’ Economic Outcomes? Sustainability, 13(7), 3758. https://doi.org/10.3390/su13073758
Nauly, D. (2016). Fluktuasi dan disparitas harga cabai di Indonesia. Jurnal Agrosains dan Teknologi, 1(1), 56–69.
Nisa, U. C., Haryono, D., & Murniati, K. (2018). Pendapatan usahatani cabai merah di Kecamatan Kalianda Kabupaten Lampung Selatan. Jurnal Ilmu Ilmu Agribisnis,6(2), 149–154. http://dx.doi.org/10.23960/jiia.v6i2.2780.
Nurvitasari, ME, Suwandari, A, Suciati, LP. (2018). Dinamika perkembangan harga komoditas cabai merah (Capsicum annuum L) di Kabupaten Jember. Jurnal Sosial Ekonomi Pertanian, 11(1), 1–8. https://doi.org/10.19184/jsep.v11i1.5802
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Rudiyanto, A. A. (2014). Pola kemitraan koperasi sejahtera abadi dalam meningkatkan keuntungan petani cabai. Jurnal Ekonomi dan Kebijakan, 7(2), 1–11. https://doi.org/10.15294/jejak.v7i2.3898
Safitri, K. A. (2021). An Analysis of Indonesian Farmer’s Financial Literacy. Studies of Applied Economics, 39(4). https://doi.org/10.25115/eea.v39i4.4489
SMERU. (2002). Pendanaan usahatani padi pasca KUT, Kredit Ketahanan Pangan (KKP). https://smeru.or.id/id/publication-id/pendanaan-usahatani-padi-pasca-kut-kredit-ketahanan-pangan-kkp
Toure, L. (2021). Effect of Equipment Credit on the Agricultural Income of Cotton Producers in Mali. Journal of Economics, Management and Trade, 41–58. https://doi.org/10.9734/jemt/2021/v27i230329
Ullah, A., Mahmood, N., Zeb, A., & Kächele, H. (2020). Factors Determining Farmers’ Access to and Sources of Credit: Evidence from the Rain-Fed Zone of Pakistan. Agriculture, 10(12), 1–13. https://doi.org/10.3390/agriculture10120586
Vishwanatha, Eularie, M. (2017). Impact of microcredit on small farmers’ livelihoods in Rwanda: An empirical analysis using propensity score matching. 2(1), 79–96.
Widhiyanto, I., Nuryartono, N., Harianto, N., & Siregar, H. (2018). Kredit Ketahanan Pangan dan Energi: Implementasi dan Persepsi oleh Petani Padi. Analisis Kebijakan Pertanian, 15(2), 99. https://doi.org/10.21082/akp.v15n2.2017.99-112
Wooldridge JM. (2009). Introductory economics: a modern approach. McGraw-Hill.
Yasmin, R. A. S., Lestari, D. A. H., & Marlina, L. (2022). Kinerja Sistem Agribisnis Cabai Merah Pada Kelompok Tani Tunas Harapan. 18(3), 18.
Yutika, F., Cahyadi, E. R., & Mulyati, H. (2019). Perilaku petani kelapa sawit pola swadaya dan pola plasma terhadap praktik produksi kelapa sawit berkelanjutan di Kabupaten Kampar, Riau. Jurnal Agribisnis Indonesia, 7(2), 102–112. https://doi.org/10.29244/jai.2019.7.2.102-112
Adam, L. (2018). Pelibatan koperasi dalam program KUR: Sebuah inovasi kebijakan ekonomi dengan peluang dan tantangannya. Jurnal Ekonomi Pembangunan, 26(1), 21–46. https://doi.org/10.14203/JEP.26.1.2018.21-46
Agyekumhene, C., de Vries, J. R., van Paassen, A., Macnaghten, P., Schut, M., & Bregt, A. (2018). Digital platforms for smallholder credit access: The mediation of trust for cooperation in maize value chain financing. NJAS: Wageningen Journal of Life Sciences, 86–87(1), 77–88. https://doi.org/10.1016/j.njas.2018.06.001
Assogba, P. N., Kokoye, S. E. H., Yegbemey, R. N., Tassou, Z., Pardoe, J., & Yabi, J. A. (2017). Determinants of credit access by smallholder farmers in North-East Benin. Journal of Development and Agricultural Economics, 9(8), 210–216.
Andayani, SA. (2016). Faktor-faktor yang mempengaruhi produksi cabai merah. Mimbar Agribisnis, 1(3), 261–268
Anwarudin, MJ, Sayekti, AL, Marendra, A, Hilman, Y. (2015). Dinamika produksi dan volatilitas harga cabai: Antisipasi strategi dan kebijakan pengembangan. Pengembangan Inovasi Pertanian, 8(1), 33–42.
Ashari. 2009. Optimalisasi kebijakan kredit program sektor pertanian di Indonesia. Analisis Kebijakan Pertanian, 7(1), 21–42.
Badan Pusat Statistik. (2018). Struktur ongkos usaha tanaman cabai rawit per hektar per musim tanam di Indonesia. https://www.bps.go.id/indicator/55/1728/1/-souh2018-struktur-ongkos-usaha-tanaman-cabai-rawit-per-hektar-per-musim-tanam-di-indonesia.html
Baglan, M., Mwalupaso, G. E., Zhou, X., & Geng, X. (2020). Towards cleaner production: Certified seed adoption and its effect on technical efficiency. Sustainability, 12(4), 1344. https://doi.org/10.3390/su12041344
Chandio, A. A., Jiang, Y., Rehman, A., Twumasi, M. A., Pathan, A. G., & Mohsin, M. (2021). Determinants of demand for credit by smallholder farmers’: A farm level analysis based on survey in Sindh, Pakistan. Journal of Asian Business and Economic Studies, 28(3), 225–240. https://doi.org/10.1108/JABES-01-2020-0004
Chandio, A. A., Jiang, Y., Wei, F., Rehman, A., & Liu, D. (2017). Famers’ access to credit: Does collateral matter or cash flow matter?—Evidence from Sindh, Pakistan. Cogent Economics & Finance, 5(1), 1369383. https://doi.org/10.1080/23322039.2017.1369383
Damayanti, M & Adam, L. (2015). Kertas Kerja TNP2K 27-2015: Program Kredit Usaha Rakyat (KUR) sebagai Alat Pendorong Pengembangan UMKM di Indonesia. Tim Nasional Percepatan Penanggulangan Kemiskinan (TNP2K). https://repositori.tnp2k.go.id/api/v1/online-repo/files/792/id/.
Farid, M., & Subekti, N. A. (2012). Tinjauan terhadap produksi, konsumsi, distribusi dan dinamika harga cabe di Indonesia. Buletin Ilmiah Perdagangan, 6(2), 211–233. https://doi.org/10.30908/bilp.v6i2.132
Feryanto. 2020. Peran dan Dampak Kredit Terhadap Kinerja Usaha Rumah Tangga di Indonesia. [Disertasi doktor, Universitas Gadjah Mada]
Florence N, Nathan S. 2020. The effect of commercial banks’ agricultural credit on agricultural growth in Uganda. African Journal of Economic Review, 8(1), 162– 175.
Hardana, A. E., Pratiwi, D. E., & Ambayoen, M. A. (2019). Analisis faktor –faktor yang mempengaruhi keputusan petani hortikultura dalam mengakses pembiayaan mikro di Jawa Timur. Prosiding Seminar Nasional Lingkungan Lahan Basah, 4(1), 38–44.
Iski, N., Kusnadi, N., & Harianto, H. (2016). Pengaruh Kredit Terhadap Pendapatan Petani Kopi Arabika Di Kabupaten Aceh Tengah Provinsi Aceh. Jurnal Manajemen dan Agribisnis, 13(2), 132–144. https://doi.org/10.17358/JMA.13.2.132
Kaupa, S., Kamuinjo, A., & Shindume, S. (2022). Challenges faced by public-private partnership initiatives in agriculture in namibia: a case study of mashare irrigation scheme in the kavango region. Academy of Entrepreneurship Journal,28(3), 1–9.
Kehinde, A. D., & Ogundeji, A. A. (2022). The simultaneous impact of access to credit and cooperative services on cocoa productivity in South-western Nigeria. Agriculture & Food Security, 11(1),1–21. https://doi.org/10.1186/s40066-021-00351-4
Kiros, S., & Meshesha, G. B. (2022). Factors affecting farmers’ access to formal financial credit in Basona Worana District, North Showa Zone, Amhara Regional State, Ethiopia. Cogent Economics & Finance, 10(1), 2035043. https://doi.org/10.1080/23322039.2022.2035043
Lam, B. T., Hop, H. T. M., Burny, P., Dogot, T., Cuong, T. H., & Lebailly, P. (2019). Impacts of Credit Access on Agricultural Production and Rural Household’s Welfares in Northern Mountains of Vietnam. Asian Social Science, 15(7), 119–133. https://doi.org/10.5539/ass.v15n7p119
Lazaro, A. M., & Alexis, N. (2021). Determinants of credit demand by smallholder farmers in Morogoro, Tanzania. African Journal of Agricultural Research, 17(8), 1068–1080. https://doi.org/10.5897/AJAR2020.15382
Lika, E. (2021). Analisis keputusan petani dalam pengambilan kredit sektor pertanian Kecamatan Lamaknen Kabupaen Belu. Jurnal Ilmiah Akuntansi, 4(2), 830–850.
Luan, D. X., & Kingsbury, A. J. (2019). Thinking beyond collateral in value chain lending: Access to bank credit for smallholder Vietnamese bamboo and cinnamon farmers. International Food and Agribusiness Management Review, 22(4), 535–555. https://doi.org/10.22434/IFAMR2019.0030
Mardiyanto, T. C., Prastuti, T. R., & Pangestuti, R. (2017). Analisa kelayakan usaha budidaya bawang merah ramah lingkungan di Kabupaten Tegal. AGRONOMIKA,12(1), 34–39.
Misqi, R. H., & Karyani, T. (2020). Analisis risiko usahatani cabai merah besar (Capsicum annuum L.) di Desa Sukalaksana Kecamatan Banyuresmi Kabupaten Garut. Mimbar Agribisnis: Jurnal Pemikiran Masyarakat Ilmiah Berwawasan Agribisnis, 6(1), 65–76. https://doi.org/10.25157/ma.v6i1.2684
Moahid, M., Khan, G. D., Yoshida, Y., Joshi, N. P., & Maharjan, K. L. (2021). Agricultural Credit and Extension Services: Does Their Synergy Augment Farmers’ Economic Outcomes? Sustainability, 13(7), 3758. https://doi.org/10.3390/su13073758
Nauly, D. (2016). Fluktuasi dan disparitas harga cabai di Indonesia. Jurnal Agrosains dan Teknologi, 1(1), 56–69.
Nisa, U. C., Haryono, D., & Murniati, K. (2018). Pendapatan usahatani cabai merah di Kecamatan Kalianda Kabupaten Lampung Selatan. Jurnal Ilmu Ilmu Agribisnis,6(2), 149–154. http://dx.doi.org/10.23960/jiia.v6i2.2780.
Nurvitasari, ME, Suwandari, A, Suciati, LP. (2018). Dinamika perkembangan harga komoditas cabai merah (Capsicum annuum L) di Kabupaten Jember. Jurnal Sosial Ekonomi Pertanian, 11(1), 1–8. https://doi.org/10.19184/jsep.v11i1.5802
Puspitasari, A. (2020). Analisis biaya dan pendapatan usahatani cabai rawit di Kecamatan Cigalontang Kabupaten Tasikmalaya. Mimbar Agribisnis: Jurnal Pemikiran Masyarakat Ilmiah Berwawasan Agribisnis, 6(2), 1701–1709. https://doi.org/10.25157/ma.v6i2.3692
Rudiyanto, A. A. (2014). Pola kemitraan koperasi sejahtera abadi dalam meningkatkan keuntungan petani cabai. Jurnal Ekonomi dan Kebijakan, 7(2), 1–11. https://doi.org/10.15294/jejak.v7i2.3898
Safitri, K. A. (2021). An Analysis of Indonesian Farmer’s Financial Literacy. Studies of Applied Economics, 39(4). https://doi.org/10.25115/eea.v39i4.4489
SMERU. (2002). Pendanaan usahatani padi pasca KUT, Kredit Ketahanan Pangan (KKP). https://smeru.or.id/id/publication-id/pendanaan-usahatani-padi-pasca-kut-kredit-ketahanan-pangan-kkp
Toure, L. (2021). Effect of Equipment Credit on the Agricultural Income of Cotton Producers in Mali. Journal of Economics, Management and Trade, 41–58. https://doi.org/10.9734/jemt/2021/v27i230329
Ullah, A., Mahmood, N., Zeb, A., & Kächele, H. (2020). Factors Determining Farmers’ Access to and Sources of Credit: Evidence from the Rain-Fed Zone of Pakistan. Agriculture, 10(12), 1–13. https://doi.org/10.3390/agriculture10120586
Vishwanatha, Eularie, M. (2017). Impact of microcredit on small farmers’ livelihoods in Rwanda: An empirical analysis using propensity score matching. 2(1), 79–96.
Widhiyanto, I., Nuryartono, N., Harianto, N., & Siregar, H. (2018). Kredit Ketahanan Pangan dan Energi: Implementasi dan Persepsi oleh Petani Padi. Analisis Kebijakan Pertanian, 15(2), 99. https://doi.org/10.21082/akp.v15n2.2017.99-112
Wooldridge JM. (2009). Introductory economics: a modern approach. McGraw-Hill.
Yasmin, R. A. S., Lestari, D. A. H., & Marlina, L. (2022). Kinerja Sistem Agribisnis Cabai Merah Pada Kelompok Tani Tunas Harapan. 18(3), 18.
Yutika, F., Cahyadi, E. R., & Mulyati, H. (2019). Perilaku petani kelapa sawit pola swadaya dan pola plasma terhadap praktik produksi kelapa sawit berkelanjutan di Kabupaten Kampar, Riau. Jurnal Agribisnis Indonesia, 7(2), 102–112. https://doi.org/10.29244/jai.2019.7.2.102-112
Published
2022-11-30
How to Cite
JONO, Silke Zorena; TINAPRILLA, Netti; FERYANTO, Feryanto.
Faktor-Faktor yang Memengaruhi Keputusan Petani Cabai Merah di Indonesia untuk Mengambil Kredit.
JSEP (Journal of Social and Agricultural Economics), [S.l.], v. 15, n. 3, p. 279-292, nov. 2022.
ISSN 2356-2382.
Available at: <https://jurnal.unej.ac.id/index.php/JSEP/article/view/33969>. Date accessed: 15 nov. 2024.
doi: https://doi.org/10.19184/jsep.v15i3.33969.
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