Kapasitas Sektor Perbankan dalam Pembiayaan Sektor Tanaman Pangan dan Alternatif Pengembangannya  

Oleh:

Oktaviani, Rina ; Marimin ; Saptono, Imam Teguh ; Tambunan, Mangara

Jenis: Article from Bulletin/Magazine - ilmiah lokal
Dalam koleksi: Bulletin Penelitian Universitas Mercu Buana no. 23 (Nov. 2010), page 47.
Topik: Agricultural Financing Institution; Specialist Bank; Benchmarking

Ketersediaan

Perpustakaan PKPM Nomor Panggil: B118 Non-tandon: 1 (dapat dipinjam: 0) Tandon: tidak ada

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In year 2009, agricultural sector contributed around 15% of total GDP of Indonesia, with anual growth was around 3-4%, and 44 million of total workforce absorption. In that period total banking loans allocated to agicultural sector was only amounted less than 5.5% of total loans with cumulative average growth rate (CAGR) around 4% (2004-2009). The biggest portion of agricultural sector was contributed by food crops farming which characterized by small subsistent farmer, Ironically from total agricultural loan only 27% was allocated to small scale farmer. This gap was caused by the limited capacity of small farmer to formal financial institutions, as a result of a) physical access due to the absence of financial institution in rural area; b)eligibility, it is related with the feasibility of the bussiness, d) internal problem from financial institution itself and others macro hinderences. The purpose of this research is to describe the capacity of current banking sector to finance the food crops farmer, identify the key success factor of agricultural fianncing and initiate a policy reccomendation fordeveloping an alternative format of agricultural fiannce institution. The methodology used in this research is descriptive analysis with benchmarking, focus group discussion and mapping approach as tools. As a result, the dedicated financial institution is required by foodcrops subssector, this institution has to be established and supported by goverment, make a sinergy with private sector and farmer as well, using a market rate as a pricing policy, and shifting from product focus orientation to demand focus orientation.

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