KERAGAAN PEMBIAYAAN USAHATANI TEMBAKAU BESUKI Na Oogst

Abstract

The necessity of capital for the community in village, especially for tobacco Besuki Na
Oogst farmer is very important to sustainable farm. Nevertheless, the problem of low
capital will always appear to increase farm and income. So that, the research that give
information about financing farm performance tobacco Besuki Na Oogst. Research show
after the end PRPTE project, the access of tobacco farmer to get credit which comes from
formal institution financing, in fact that it doesn’t give any credit for tobacco farmer.
Besides that, the frequency of borrowing and values are still low. At first, cost of
transaction is expected to become burden for the credit; it doesn’t have any influence to the
borrower. It is because the screening, delivery, and the pattern of incentive, also
enforcement, application form which has been applied by formal financing institution is
good enough and easy to understand by the farmer who wants to access them. Although
tobacco farmer aspiration to the formal institution financing which is expected without
difficult procedure, on time, exact in the quantity but also with requirement for borrowing
application which is cheap. To make it cheap and easy for farmer to access formal
institution financing, that will be better if make Micro Finance Institution (Lembaga
Keuangan Mikro) in the village which can bridge the credit for agriculture. In this
condition we hope that it can solve the limits of capital and it can increase farm agricultural
and society income.