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

Full Text:

PDF


References

Barry P.J., Risk management in agriculture, 1984

Diakosavvas D, "Government expenditure on agriculture and agricultural Performance in developing countries, 1997

Finance Department RI, Nota Keungan, A number of Editions, 0000

Fry M.J., Money, Interest, and Banking in Economic Development, 1995

G.Feder, et al, Does Agricultural Extension Pay? The Training and Visiting System in Northwest India, 1987

Gunawan S, Varietal choice and input demand in rice production in Indonesia, 1982

H.D.Seibel, How an agricultural development bank revolutionalized rural Finance: The case of Bank Rakyat Indonesia, 1999

H.D.Seibel, Uben Parhusip, Microfinance in Indonesia; An Assessment of Microfinance Institutions; Banking with the Poor", Rural Finance Program, Department of Agricultural Economics,, 1998

Hartono S., Modifications of small farmer credit in the rice intensification program of Indonesia, 1992

Hermes N., R. Lensik, Financial development and economic development: Theory and experiences from developing, 1996

Insukindro, .The short-and Long-term Determinants of Money and Bank Credit Markets in Indonesia, 1990

Kochar Anjini, Does lack of access to formal credit constrain agricultural production? Evidence from the land tenancy market in rural India.", 1997

Koutsoyannis A., Theory of Econometrics, 1977

Lindgren Carl-Johan et al., Bank Soundness and Macroeconomic Policy, 1996

Maclntyre, Andrew J, The Politics of Finance in Indonesia: Command, Confusion, and Competition." In the Politics of Finance in Developing Countries. Edited by Stephen Haggard, Chung Lee and Sylivia Mafield., 1993

Marshall K.G, "Competition and Growth: Changes in Indonesia's Banking Sector Since 1988", 1994

Masyhuri, Economic Incentives and Comparative advantage in rice production in Indonesia, 1988

Montenegro Caudio E., Maurice Schiff., Aggregate Supply Response in Developing Countries: A Survey of Selected Issues.", 1997

Odedokun M.O., , "International evidence on the effects of directed credit Programmes on efficiency of resource allocation in developing countries: The case of development bank lendings, 1996

Odedokun M.O., Alternative Econometric Approaches for Analyzing the Role of the financial sector in economic growth: Time-series evidence from LDCs, 1996

Phillips Joseph M., Farmer Education and Farmer Efficiency: A Meta Analysis, 0000

Priatnasendjaja T., Perspective analysis of small community capital Accumulation (PASCCA): A model for diagnosing local impacts of agricultural changes with application to West Java rice villages,, 1988

Pusat Penyuluhan, Departmen Pertanian, Statistik Penyuluhan Pertanian Tahun 1998, 1999

Reille Xavier, D. Gallamann, The Indonesian People's Credit Banks (BPRs) and the financial crisis",, 1998

S.Martin, Risk management strategies in New Zealand Agriculture and Horticulture, 1996

Soeharjo A, Estimates of effects of the package of practices program on Capital formation in rice producing farms: A case study in two villages in West Java, 1976

Stiglitz, Joseph E, The Role of the State in Financial Markets." In Proceedings of the World Bank Annual Conference on Development Economics 1993., 1994

Tambunan M, "Economic reforms and agricultural development in Indonesia", 1998

Tao Yang D, Education in Production, 1997

Turvey Calum G., Alfons Weersink, Credit Risk and demand for Agricultural Loans", 1997

Turvey Calum G., G. N. Nayak, Credit Risk Assessment and the Opportunity cost of Loan Misclassification.", 1997

Virman, Arvind, Government Policy and the Development of Financialmarkets: The case of Korea, 1985

X.Sala-i-Martin, N. Roubin, "Financial Repression and Economic Growth, 1992



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

Article Metrics

Abstract views : 1210 | views : 1437

Refbacks

  • There are currently no refbacks.




Copyright (c) 2016 Agro Ekonomi

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

AGRO EKONOMI ISSN 0215-8787 (print) , ISSN 2541-1616 (online)  indexed by :

sinta worldcat 

 

View My Stats