| dc.description.abstract | Capital Reinforcement Credit in Sumenep Regency is a working capital that is
proposed to accelerate the application of agricultural technology by farmers.
Through the application of technology, it is expected that return of farm
management can increase. In its implementation, however, this credit always
experiences problems; the return of credit tends to decrease (the arrears tend to
increase) since capital reinforcement credit was issued in 2003. The objectives of
this research are; (1) to identify factors that inspire farmers to apply for a credit,
(2) to identify factors that influence farmers’ return of farm management, (3) to
analyze efficiency level of their farming business, and (4) to analyze level of
credit return and the factors that influence it, by using Exploratory Factor
Analysis, econometrical statistical analysis (multiple regression), analysis of farm
management efficiency (R/C) and logistic regression analysis. The results of
analysis of factors showed that the main reasons of farmers to apply for a credit
were (1) farmers’ internal factors (2) factor of credit facility (3) factor of credit
requirements. Meanwhile, the factors that significantly influenced return of farm
management of farmers applying for capital reinforcement credits were (a)
production of farm management, (b) cost of production equipment, (c) labor cost,
(d) other input costs. The efficiency of farm management (R/C) of paddy in
Sumenep Regency had reached efficient level. Farmers who had settled the capital
reinforcement credit had higher efficient level (R/C=1.60) than those who had not
(R/C=1.54), so that they had more ability in returning the credit. Furthermore,
level of return of capital reinforcement credit from 2003-2006 tended to decrease
(the amount of arrears tended to increase). In line with this, factors that
significantly influenced the opportunity of return of capital reinforcement credit
were: (a) farm management income, (b) class of farmers group and (c) application
of cultivation technology, | en_US |
