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Farmer Preference to Access Agricultural Credit in Indonesia

Author

Listed:
  • Salmiah
  • Thomson Sebayang
  • Muhammad Khaliqi
  • Iskandar Muda

Abstract

This research was conducted in Sempa Jaya Village, Berastagi Sub-district, Karo Regency, Indonesia. The research location is determined purposively based on the consideration that this village is horticulture production center and there is Credit Union (CU) Merdeka which give farm loan/credit to farmer. This research is aimed to analyze farmer preference to credit itself, by analyzing the most important credit attribute according to farmers. Through analysis of farmer preferences will be known level of farmer selection to credit based on credit attribute like service, supporting facility, requirement, time period, interest system and collateral. By knowing farmer preference to combination of credit attribute, credit institution can form credit system as expected by farmer, so that its utilization can be more effective and efficient. At the end of the targeted study, a new form of policy from government and credit institutions regarding the granting of credit towards farmer will be created, which will prevent the farmer to rent a credit to informal institution and individual.

Suggested Citation

  • Salmiah & Thomson Sebayang & Muhammad Khaliqi & Iskandar Muda, 2019. "Farmer Preference to Access Agricultural Credit in Indonesia," Junior Scientific Researcher, SC Research Publishing SRL, vol. 5(2), pages 16-23, November.
    • Handle: RePEc:jsr:journl:v:5:y:2019:i:2:p:16-23
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    File URL: https://www.jsrpublishing.com/userfiles/files/archive_pages/57/Article._Iskandar._JSR_Vol.5_No.2_2019.pdf
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    References listed on IDEAS

    as
    1. Sohail Jehangir Malik & Hina Nazli, 1999. "Rural Poverty and Credit Use: Evidence from Pakistan," The Pakistan Development Review, Pakistan Institute of Development Economics, vol. 38(4), pages 699-716.
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    Citations

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    Cited by:

    1. Paarlberg, Robert, 2022. "The trans-Atlantic conflict over “green” farming," Food Policy, Elsevier, vol. 108(C).

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    More about this item

    Keywords

    agricultural credit; credit union; conjoint analysis; farmer preference;
    All these keywords.

    JEL classification:

    • N5 - Economic History - - Agriculture, Natural Resources, Environment and Extractive Industries
    • O13 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Agriculture; Natural Resources; Environment; Other Primary Products
    • Q14 - Agricultural and Natural Resource Economics; Environmental and Ecological Economics - - Agriculture - - - Agricultural Finance

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