Farm credit, farm credit default rate, and farm performamce: the indonesian case

https://doi.org/10.22146/agroekonomi.16795

Muyanja Ssenyoga(1*)

(1) A Ph.D. Candidate of Gadjah Mada University, from Uganda
(*) Corresponding Author

Abstract


Penelitian ini bertujuan untuk menganalisis dampak dart; intervensi pemerinrah dalam penyaluran kredit terhadap kinerja sektor pertani'an. Dengan menggunakan kredit program di Indonesia sebagai studi kasus, analisis dampak kredit usahatani terhadap hasil pertanian dilakukan, dan menentukan beberapa fakror yang mempengaruhi tingkat tunggakannya. Analisis lebih lanjut dilakukan untuk mengevaluasi dampak penyuluhan terhadap kinerja kredit usahatani.
Hasil menunjukkan adanya hubungan yang positif antara tingkar kredit usahatani yang disalurkan dan hasil pertanian. Namun, biaya yang harus ditanggung dart keberhasilan tersebut berupa tunggakan yang tinggi, yang berdampak negatif terhadap hasil pertanian. Hubungan yang menggembirakan adalah adanya dampak yang negatif antara tingkat penyuluhan (agricultural extension service) dan tunggakan kredit usahatani.
Penyaluran kredit usahatani dilakukan melalui beberapa mekanisme yang berdampak pada distorsi pasar kredit, yang berakibat pada menurunnya kinerja sektor finansial secara keseluruhan. Walaupun demikian dilihat dart pentingnya produksi padi dalam perekonzian Indonesia, biaya yang harus ditanggung masyarakat berupa biaya tunggakan yang tinggi dan distorsi pasar input dan output, merupakan necessary evil yang harus diterima. Hashl jugs menunjukkan bahwa meningkatkan tingkat penyuluhan merupakan suatu keharusan untuk perbaikan kinerja kredit program.

Keywords


Kredit program; tunggakan; penyuluhan; distorsi ekonomi

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DOI: https://doi.org/10.22146/agroekonomi.16795

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