EVALUATING THE PERFORMANCE OF STATE INVOLVEMENT IN CREDIT PROVISION: THE CASE OF FARM CREDIT PROGRAM IN INDONESIA

Mujanja Ssenyong

doi:10.22146/jp.11889

EVALUATING THE PERFORMANCE OF STATE INVOLVEMENT IN CREDIT PROVISION: THE CASE OF FARM CREDIT PROGRAM IN INDONESIA

https://doi.org/10.22146/jp.11889

Mujanja Ssenyong^(1*)

(1) Mbale University
(*) Corresponding Author

Abstract

Artikel ini mengevaluasi kontribusi program kredit pertanian di Indonesia. Kontribusi positif program kredit pertanian antara lain dapat dilihat dari peningkatan basil pertanian yang disebabkan naiknya produktivitas, penggunaan mesin, pembangunan sarana danprasarana, dan penggunaan biji-biji varietas unggul. Namun demikian, program kredit pertanian masih dibayangi biaya besar yang harus ditanggungpemerintah, yang pada prinsipnya disebabkan tingkat tunggakan yang tinggi. Selain itu untuk mewujudkan program tersebut pemerintah telah melakukan distorsi pasar kredit yang akibatnya memperlambat kemajuan jasa sektor finansial di Indonesia. Kelemahan program kredit tidak terletak semata- mata pada konsep dan landasannya, melainkan kekurangan dalam perencanaan dan saluran kredit program yang dipergunakan. Perbaikan jasa penyuluhan lapangan adalah keharusan yang mesti dilakukan, yang meliputi rancangan program kredit, cakupan, penyaluran, pengawasan, penyebaran informasi, serta cara dan ketepatan sistem penagihan .

Keywords

poverty, program, credit provision, farm credit, indonesia, penyalahgunaan kredit,

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DOI: https://doi.org/10.22146/jp.11889