Faktor Faktor yang Mempengaruhi Keputusan Petani Padi Melakukan Pinjaman di Kecamatan Kauditan Kabupaten Minahasa Utara

Abstract

This study aims to analyze the factors influencing paddy farmers’ decisions to access agricultural loans in Kauditan Subdistrict, North Minahasa Regency. Limited access to capital remains a major constraint in paddy farming, making loans from formal and informal institutions an essential source of financing. The study employed a stratified random sampling method with 73 respondents selected from a total population of 275 farmers. Primary data were collected through structured questionnaires, interviews, and field observations. Data were analyzed using binary logistic regression with independent variables including land size, rice price, family dependents, farming experience, and production costs. The findings indicate that farmers obtain credit from formal institutions, particularly the People’s Business Credit (KUR) program through BRI, as well as from informal sources such as traders, relatives, and moneylenders. Regression results show that land size, family dependents, and production costs significantly influence farmers’ borrowing decisions, while rice price and farming experience do not have significant effects. The negative coefficient of land size suggests that farmers with larger landholdings are less likely to borrow, whereas family dependents and production costs have a positive effect. The regression model achieved a predictive accuracy of 89%.