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.
Highlights
Sektor pertanian merupakan sektor utama dalam perekonomian Provinsi Lampung
The purpose of this study was to identify the perceptions of farmers on the existence of Baitul Maal wat Tamwil (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
Summary
Lokasi dan Waktu Penelitian Penelitian ini dilaksanakan di Kabupaten Lampung Tengah, Provinsi Lampung. Pemilihan lokasi ini dilakukan secara sengaja (purposive) dengan pertimbangan bahwa wilayah tersebut merupakan sentra pertanian di Provinsi Lampung dan terdapat petani yang mendapat pembiayaan pertanian dari BMT sebagai modal usahatani. Data dan Metode Pengambilan Contoh Data yang digunakan dalam penelitian ini adalah data primer dan data sekunder. Data primer diperoleh melalui wawancara langsung dengan pengurus BMT, dan petani anggota BMT yang mendapatkan pembiayaan pertanian. Data sekunder diperoleh dari dokumentasi BMT dan instansi yang terkait, seperti Dinas Pertanian, Pusat Koperasi Syariah (Puskopsyah) Lampung, dan BPS. Jumlah sampel dalam penelitian ini adalah 121 sampel. Penentuan jumlah sampel didasarkan pada asumsi populasi menyebar normal. Mengacu pada teorema batas sentral (central limit theorem) yang dikemukakan oleh Cooper dan Emory (1996), dengan ukuran sampel yang cukup besar (n ≥ 30), rata-rata sampel terdistribusi di sekitar rata-rata populasi yang mendekati distribusi normal (Mahabirama et al 2013)
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