Journal of halal product and research (JHPR)
Vol. 2 No. 1 (2019): Journal of Halal Product and Research (JHPR)

Understanding farmers’ access and perception to Islamic microfinance on agricultural financing: study in Central Lampung regency

Budi Yoko (Sekolah Pascasarjana Institut Pertanian Bogor)
Adistiar Prayoga (Pusat Riset dan Pengembangan Produk Halal (Halal Research Center) Universitas Airlangga)

Article Info

Publish Date
02 Jun 2019

Abstract

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.

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Journal Info
Journal of halal product and research (JHPR)
Website

Abbrev

JHPR

Publisher

Universitas Airlangga

Subject

Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Dentistry Economics, Econometrics & Finance Immunology & microbiology Medicine & Pharmacology Public Health Social Sciences Veterinary

Description

Journal of halal product and research (JHPR) is a journal published by Biannual (twice a year) by Halal Research Center and Product Development/ Pusat Riset dan Pengembangan Produk Halal (Halal Center) Universitas Airlangga, Surabaya, Indonesia (e-ISSN: 2654-9778 | p-ISSN:2654-9409). The journal is ...