TIDAL LAND RICE FARMERS’ DECISION MAKING ON FORMAL AND NON-FORMAL CREDITS IN BANJAR REGENCY OF SOUTH KALIMANTAN, INDONESIA

Abstract

Indonesia as a country with the main staple food is sourced from rice, but in recent years has experienced a decline in rice production. The decline is not only at the national level but also at the provincial and district levels. One of the problems of the agricultural sector from the past until now is in terms of access to capital, because the background of farmers is diverse so that there are farmers who have sufficient capital and there are still very many farmers who have difficulty in terms of this capital. Therefore, this study was conducted to identify and analyze more deeply what factors influence the decision making of rice farmers in tidal lands on capital, especially formal credit and non-formal credit in South Kalimantan, especially Banjar Regency. The site selection was deliberate in Bekambat and Handil Purai villages, which are villages with tidal land and farmers who farm rice and many take credit. The study respondents were randomly selected as 80 farmers, 31 farmers who took formal credit and 49 farmers who took non-formal credit. Data analysis completed using logistic regression with the help of SPSS 27 program. As a result of the Goodness of Fit test, the model used is precise and can explain the data. Then simultaneously exert a significant influence on the response variable. Partially, of the 9 predictor variables, only 2 variables had a significant effect, namely the variable number of family members (X3) with a significance value of 0.078 and the large variable of loan amount (X5) with a significance value of 0.018. Other variables such as age, education, farming experience, loan interest, land area, land status and income do not have a significant effect on farmers' decision making.

Keywords

• formal credit
• non-formal credit
• rice farming
• tidal land
• logistics