AKSESIBILITAS PETANI TERHADAP LEMBAGA KEUANGAN (Studi Kasus : Petani Desa Pakukerto Kecamatan Sukorejo)

Abstract

This research was conducted in Pakukerto Village, Sukorejo District, Pasuruan Regency. The research location was determined purposively by considering that the village is a village with a majority of the population working as farmers and the area of ​​agriculture is more than half of the area of ​​the countryside. The purpose of this study is 1). Knowing the capital structure of Pakukerto village farmers, 2). Identify existing capital sources in Pakukerto village and 3). Knowing the accessibility of Pakukerto Village farmers to financial institutions. Determination of samples or respondents guided by sampling experts that in order to obtain representative data, at least 10% of the existing population. Data were analyzed by the data tabulation method. The results of this tabulation of data can be an illustration of the results of the study because the data obtained from the field have been arranged and summarized in tables that are easy to understand. Research Results show 1) The capital structure of Pakukerto village farmers consists of 34 own capital respondents or 68% and 16 respondents or 32% use their own capital plus loan capital. 2) The sources of capital of farmers in Pakukerto village include Bank BRI, Bank BPR, Pegadaian, Kelompok Tani. There are 3 types of BPR Banks in Sukorejo sub-district, namely BPR Surasari Hutama and BPR Sukorejo Makmur. 3) Accessibility of Pakukerto village farmers to financial institutions is quite low. Pakukerto village farmers prefer to borrow from the Farmer Group rather than the Bank because the procedure is too complicated and there is a negative view that the bank interest is ensnaring.