Analysis of horticulture farmers credit provision in Kemungsarilor Village, Panti District, Jember Regency
DOI:
https://doi.org/10.33474/jase.v5i2.22540Keywords:
Experience, Farmer Education, Farmer Income, Credit Term, Interest Rate, Credit SuccessAbstract
This study aims to analyze the factors influencing the success of credit provision to horticultural farmers in Kemuningsarilor Village, Panti Sub-district, Jember District, East Java. Given the capital-intensive nature of horticultural farming, access to credit is essential to support productivity. The research employed a census approach, using a saturated sampling technique that included all 50 farmers in the population. Data were analyzed using multiple linear regression to evaluate the influence of farmer experience, education, income, credit interest rates, and credit terms on the success of credit provision. The results indicate that farmer experience, income, interest rates, and credit terms significantly affect the success of credit provision, while education shows no significant impact. This is because, in rural agricultural settings, success in credit provision is more strongly influenced by practical farming experience, financial capability, and institutional criteria than by formal educational attainment. These results highlight the importance of strengthening farmers’ financial readiness and providing tailored credit schemes that consider their experiential knowledge rather than relying solely on formal qualifications. Future research is recommended to explore additional socio-economic and behavioral factors, such as financial literacy, access to farming advisory support, and risk attitudes, which may further explain variations in credit success among farmers.
References
Abdurohim, N., & Meirinawarti. (2019). Innovation of Independent Farmer Card (KPM) plus in rnagka to improve the welfare of farmers by the Bojonegoro Regency Agriculture Office. Published, 9(3), 43–54. https://doi.org/10.26740/publika.v9n3.p43-54
Agbeno, Y. (2021). Impact of Access to Agricultural Credit on the Productivity of Togolese Farmers. International Journal of Agricultural Sciences and Technology, 1(4), 13. DOI: 10.22004/ag.econ.340587
Bakhri, F. R. (2016). Factors Affecting Farming Business Productivity Between Peterongan District and Megaluh District, Jombang Regency. Journal of Geography Education, 3(3), 416–422.
Balgah, R. A., Shillie, P. N., & Njonyi, C. T. (2022). Determinants of credit access among rice farmers in rural Cameroon. Journal of Agribusiness and Rural Development, 66(4), 321–329. https://doi.org/10.17306/J.JARD.2022.01571
Barusman, M., Gultom, I., Cucus, A., & Redaputri, A. (2021). Farmer Welfare Improvement Program in Lampung. Journal of Agricultural Economics and Agribusiness, 5(4), 1126–1135. https://doi.org/10.21776/ub.jepa.2021.005.04.15
Benson, A., & Faguet, J. P. (2023). Increasing Access to formal Agricultural credit: The role of rural producer organosations. The Journal of Development Studies, 59(1), 21–38. https://doi.org/10.1080/00220388.2022.2102899
Bramasto, S., & Khairiani, D. (2022). Prediction of the output power of solar power generation systems (PLTS) using multiple linear regression. Exacta Factor, 15(2), 139–150. http://dx.doi.org/10.30998/faktorexacta.v15i2.13254
Dai, M., Bempah, I., & Boekoesoe, Y. (2019). The Effect of Village Cooperative Credit on Farmers' Business Capital in Mongolato Village, Telaga District, Gorontalo Regency. Agrinesia, 4(1), 35–41. https://doi.org/10.37046/agr.v4i1.9755
Dewi, N. uH putu R., Utama, M. S., & Yuliarmi, N. N. (2017). Factors that affect the productivity of farming businesses and the success of the Simantri program in Klungkung Regency. E-Journal of Economics and Business, Udayana University, 6(2), 701–728. https://ojs.unud.ac.id/index.php/eeb/article/view/24578
Fadhilah, M. L., Eddy, B. T., & Gayatri, S. (2018). The Influence of the Level of Knowledge, Attitudes and Skills of Implementing Agribusiness Systems on Production in Rice Farmers in Cimanggu District, Cilacap Regency. Agrisocionomics: Journal of Agricultural Socioeconomics, 2(1), 39–49. https://doi.org/10.14710/agrisocionomics.v2i1.1327
Gebeyehu-Lemane, Emana-Bezabih, Fikadu-Mitiku, & Tadesse-Tolera. (2019). Determinants of access to agricultural credit among small holder maize farmers: the case of Hababo Guduru District, Horro Guduru Wollega Zone, Ethiopia. International journal of Horticulture, Agriculture and Food science, 3(3), 112–118. http://dx.doi.org/10.22161/ijhaf.3.3.1
GhozalIi, I. (2018). Application of Multivariete Analysis SPSS 25 (9th ed. Semarang: Diponegoro University.
Herman, H., Tobing, V. C. L., Fadlilah, A. H., Shaddiq, S., & Bahit, M. (2023). Loan interest rates, credit guarantees, and lifestyle on credit making decisions at financing companies. JPPI (Indonesian Journal of Education Research), 9(4), 471–482. http://dx.doi.org/10.29210/020233113
Hikmah, Y. N., Oktaroza, M. L., & Purnamasari, P. (2018). The Effect of the Effectiveness of the Whistleblowing System and Organizational Culture on Fraud Prevention (Survey on Four State-Owned Enterprises in the Transportation and Warehousing Sector in the City of Bandung). Accounting Proceedings, 4(2), 518–523.
Huda, B., Sukidin, S., & Wahyuni, S. (2019). The Influence of Service Quality, Credit Procedures, and Interest Rates on Customers' Decisions in Taking Loans at Pt. Bank Perkreditan Rakyat Sukowono Arthajaya Jember. JOURNAL OF ECONOMIC EDUCATION: Scientific Journal of Education, Economics and Social Sciences, 13(1), 87–93. http://dx.doi.org/10.19184/jpe.v13i1.10425
Iski, N., Kusnadi, N., & Harianto, H. (2016). The Effect of Credit on the Income of Arabica Coffee Farmers in Central Aceh Regency, Aceh Province. Journal of Management and Agribusiness, 13(2), 132–144. https://doi.org/10.17358/jma.13.2.132
Janti, S. (2014). Proceedings of the National Seminar on Science and Technology Applications (SNAST) 2014 Yogyakarta, 15 November 2014 ISSN: 1979-911X. Proceedings of the National Seminar on the Application of Science and Technology (SNAST), (November), 211–216.
Javed, I., Yasin, M., Hayat, M. M., Raza, M., Ahmad, S., & Gilani, D. Q. (2022). Determinants of Agricultural Credit Utilization among Small Farm Holders: An Evidence from Southern Punjab, Pakistan. Journal of South Asian Studies, 10(3), 307–315. https://doi.org/10.33687/jsas.010.03.4431
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 and Finance, 10(1). Knock. Retrieved from https://doi.org/10.1080/23322039.2022.2035043
Latvia, L., Nurdin, & Senjiati, I. H. (2016). Analisis Tingkat Risk and Return Saham Syariah terhadap Minat Investor Analysis of The Level of Risk and Stock Return of Sharia Against Investor Interest. Proceedings of Islamic Finance and Banking, 3(1), 203–208. Retrieved from http://karyailmiah.unisba.ac.id/index.php/hukum_ekonomi_syariah/article/view/5487
Lestari, J. S., Farida, U., & Chamidah, S. (2020). The Influence of Leadership, Discipline, and Work Environment on Teachers' Work Performance. ASSET: Journal of Management and Business, 2(2), 38–55. http://dx.doi.org/10.24269/asset.v2i2.2388
Mulatu, E., Geta, E., & Melaku, E. (2020). Determinants of Smallholder Farmers' Saving: The Case of Omo Microfinance Institution in Gimbo District of Kaffa Zone, Southern Ethiopia. International Journal of Accounting, Finance and Risk Management, 6(3), 888–898. https://doi.org/10.11648/j.ijafrm.20200502.14
Panggabean, D. S. O., Buulolo, E., & Silalahi, N. (2020). Application of Data Mining to Predict Tree Seedling Ordering with Multiple Linear Regression. JURIKOM (Journal of Computer Research), 7(1), 56–62. http://dx.doi.org/10.30865/jurikom.v7i1.1947
Paryanti, A. B., Wardhani, T. E., Eliza, & Susilo, D. D. (2024). The Influence of Work Discipline and Work Environment on Employee Performance of Pt. Itama Bekasi. Scientific Journal of M-Progress, 14(1), 65–74. https://doi.org/10.35968/m-pu.v14i1.1187
Rahayu, L. (2015). Accessibility of Shallot Farmers to Microfinance Institutions as a Source of Financing. AGRARIS: Journal of Agribusiness and Rural Development Research, 1(1), 52–60. https://doi.org/10.18196/agr.118
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2024 Mudahar Abusiri, Budi Santosa, jatmiko Setiaji
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
