Motivation of Farmers and Social Capital In Taking Decisions of Agricultural Capital Loans
Abstract
The purpose of this study was to analyze the influence of motivation and social capital on agricultural
credit decision making. The sample used is the Proportional Random Sampling method, data analysis
using binary logistic regression. The results showed that motivation (X1) and social capital (X2) with
a significant level of 95%, influenced the decision of agricultural credit loans with significant values
of 0.027 and 0.004. Motivated farmers, 3155 times higher in decisions about getting agricultural
credit loans from other farmers. Farmers who have social capital are 4,231 times higher in decisions
about getting agricultural credit loans from other farmers. Based on the results, financial institutions
that facilitate agricultural credit loans can provide the best service by disseminating agricultural loans
directly to individual or farmer groups.
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