Understanding farmers' access and perception to Islamic microfinance on agricultural financing: study in Central Lampung regency
The agricultural sector is a major sector in economic activity in the province of Lampung. However, the crucial issues are still encountered in the agricultural sector, such as low productivity triggered by a narrow land ownership and restrictions on capital. Baitul Maal wat Tamwil (BMT) is one exam...
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| Format: | Article |
| Language: | English |
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Universitas Airlangga
2019-06-01
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| Series: | Journal of Halal Product and Research |
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| Online Access: | https://e-journal.unair.ac.id/JHPR/article/view/13539 |
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| author | Budi Yoko Adistiar Prayoga |
| author_facet | Budi Yoko Adistiar Prayoga |
| author_sort | Budi Yoko |
| collection | DOAJ |
| description | The agricultural sector is a major sector in economic activity in the province of Lampung. However, the crucial issues are still encountered in the agricultural sector, such as low productivity triggered by a narrow land ownership and restrictions on capital. Baitul Maal wat Tamwil (BMT) is one example of rural microfinance institutions that can be optimized role in improving farmers' access to financing sources. The purpose of this study was to identify the perceptions of farmers on the existence of BMT and identify factors that can increase the chances of farmers access the agricultural financing of BMT. The results of the analysis has pointed out that farmers assess the perception of the existence of BMT important role in supporting farming activities or other economic activity. In terms of employee services, facilities and infrastructure owned, as well as agricultural finance products from BMT, farmers assess it is already quite good. Farmers give agreed statements to each perception attribute with different percentages. The results of the analysis with the logistic regression model show that the significant variables to increase farmers' opportunities to access sharia agricultural finance from BMT are the distance of farmer's house to BMT service office, cost of fund, and farmer's view of the credit interest system. |
| format | Article |
| id | doaj-art-0ffe4a827b024de2a02cc9e8bfd75aab |
| institution | Kabale University |
| issn | 2654-9409 2654-9778 |
| language | English |
| publishDate | 2019-06-01 |
| publisher | Universitas Airlangga |
| record_format | Article |
| series | Journal of Halal Product and Research |
| spelling | doaj-art-0ffe4a827b024de2a02cc9e8bfd75aab2024-12-17T03:30:02ZengUniversitas AirlanggaJournal of Halal Product and Research2654-94092654-97782019-06-012161510.20473/jhpr.vol.2-issue.1.6-1510976Understanding farmers' access and perception to Islamic microfinance on agricultural financing: study in Central Lampung regencyBudi Yoko0Adistiar Prayoga1Sekolah Pascasarjana Institut Pertanian BogorPusat Riset dan Pengembangan Produk Halal (Halal Research Center) Universitas AirlanggaThe agricultural sector is a major sector in economic activity in the province of Lampung. However, the crucial issues are still encountered in the agricultural sector, such as low productivity triggered by a narrow land ownership and restrictions on capital. Baitul Maal wat Tamwil (BMT) is one example of rural microfinance institutions that can be optimized role in improving farmers' access to financing sources. The purpose of this study was to identify the perceptions of farmers on the existence of BMT and identify factors that can increase the chances of farmers access the agricultural financing of BMT. The results of the analysis has pointed out that farmers assess the perception of the existence of BMT important role in supporting farming activities or other economic activity. In terms of employee services, facilities and infrastructure owned, as well as agricultural finance products from BMT, farmers assess it is already quite good. Farmers give agreed statements to each perception attribute with different percentages. The results of the analysis with the logistic regression model show that the significant variables to increase farmers' opportunities to access sharia agricultural finance from BMT are the distance of farmer's house to BMT service office, cost of fund, and farmer's view of the credit interest system.https://e-journal.unair.ac.id/JHPR/article/view/13539agricultural financingmicrofinancebmt |
| spellingShingle | Budi Yoko Adistiar Prayoga Understanding farmers' access and perception to Islamic microfinance on agricultural financing: study in Central Lampung regency Journal of Halal Product and Research agricultural financing microfinance bmt |
| title | Understanding farmers' access and perception to Islamic microfinance on agricultural financing: study in Central Lampung regency |
| title_full | Understanding farmers' access and perception to Islamic microfinance on agricultural financing: study in Central Lampung regency |
| title_fullStr | Understanding farmers' access and perception to Islamic microfinance on agricultural financing: study in Central Lampung regency |
| title_full_unstemmed | Understanding farmers' access and perception to Islamic microfinance on agricultural financing: study in Central Lampung regency |
| title_short | Understanding farmers' access and perception to Islamic microfinance on agricultural financing: study in Central Lampung regency |
| title_sort | understanding farmers access and perception to islamic microfinance on agricultural financing study in central lampung regency |
| topic | agricultural financing microfinance bmt |
| url | https://e-journal.unair.ac.id/JHPR/article/view/13539 |
| work_keys_str_mv | AT budiyoko understandingfarmersaccessandperceptiontoislamicmicrofinanceonagriculturalfinancingstudyincentrallampungregency AT adistiarprayoga understandingfarmersaccessandperceptiontoislamicmicrofinanceonagriculturalfinancingstudyincentrallampungregency |