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Abstract
The Sembalun district serves as a primary center for garlic production in Indonesia. Despite the high productivity of garlic, the area faces challenges related to unstable farm input prices and fluctuating selling prices. This volatility significantly impacts farmers' incomes and the availability of capital for subsequent farming seasons. To address this issue, some garlic farmers in Sembalun district opt for microcredit financing as an additional farm capital source. This study aims to (1) Identify the microcredit distribution procedures for garlic farmers in Sembalun district. Analyze the influencing factors behind garlic farmers' decisions to utilize microcredit. The research utilizes descriptive analysis methods and binary logistic regression analysis employing the logit method. Findings reveal a two-stage process for prospective customers to apply for microcredit financing, involving complete file fulfillment and submission of microcredit application files. Regression analysis results indicate that significant factors influencing garlic farmers' decisions to use microcredit include age, land area, years of farming experience, income, frequency of microcredit usage, and participation in farmer groups.
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