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Many factors cause the issue of fertilizer subsidies. One of them is about the implemented system has not been running optimally. The Farmer Card is an innovation to obtain subsidized fertilizers. The innovation has many obstacles, including the lack of awareness and knowledge of farmers’ human resources (HR) in understanding the innovations’ usefulness. The study’s objective was to determine the factors influencing the acceptance of the Farmer Card based on the Technology Readiness and Acceptance Model (TRAM). Primary data were gained from the farmers by taking a simple random sampling method using the Hair formula for as many as 115 farmers using Farmer Card in Kabupaten Sumenep. The data were analyzed using the quantitative descriptive method through the Partial Least Square (PLS) technique. The study’s objective was to determine the effect of optimism, innovativeness, discomfort, insecurity, perceived usefulness, and perceived ease of use on behavioral intention to use in technology readiness with a p-value of 0.000 (<0.05). The test results show that the variables of optimism (H1 and H2), discomfort (H5), perceived usefulness (H9), and perceived ease of use (H10) have a significant effect on behavioral intention to use Farmer Card. Testing the effect of innovativeness (H3 and H4), discomfort (H6), and insecurity (H7 and H8) showed a p-value of 0.091; 0.259; 0.127; 0.853; 0.385 (> 0.05) means that it has no significance. For the Farmer Card program to be successful, it is recommended to enhance cooperation further and shared views among the farmers and stakeholders.

The Farmer's Card becomes one of the requirements to get the subsidized fertilizer as a tool of access to banking services integrated into an E-wallet or ATM (Automatic Teller Machine). The new technology indicates the problem found in the field, which is the lack of awareness and knowledge of the farmers who own the Farmer's Card in understanding the function of each feature provided by the Card. This research is conducted to analyze the readiness and the acceptance factors of the farmers who own the Farmer's Card toward the interest of using the Farmer's Card in the Sumenep Regency. The Technology Readiness and Acceptance Model (TRAM), which is the collaboration of the Technology Readiness Index (TRI) and Technology Acceptance Model (TAM), is being used to analyze the interest in the use of the Farmer's Card. Quantitative data is collected through interviews with structured questionnaires that refer to the previous research indicators on the Technology Readiness and Acceptance Model (TRAM). The sample was conducted on 140 farmers who own the Farmer's Card. The analysis was performed using Partial Least Squares-Structural Equation Modeling (PLS-SEM) through the SmartPLS software. The results of the hypothesis show that the function or the advantage of the Farmer's Card has a direct and significant influence on the interest of the farmers in using the Farmer's Card. On the other hand, the simplicity of using the Farmer's Card is considered insignificant and challenging for the farmers. The Farmer's Card program can be successful. It is suggested that the government and the farmers, who own the Farmer's Card, need to approach and improve their communication through intensive guidance.

The government program related to Kartu Tani aims to provide welfare to farmers. However, until now it hasn't been realized, meaning that not all farmers accept the innovations given by the government. Measure user readiness to use Kartu tani to determine the success of implementing the technology. This study aims to determine a certain technical readiness index for Kartu Tani in Sumenep District. Almost all of the data were collected from farmers by a simple random sampling method using Hair 85 valid sample in Sumenep District. The measurement method used is TRI made with the four variables of optimism, innovation, discomfort, and insecurity. It is found that the preparation level of Kartu tani users is at a medium level of technical preparation, with a value of 3.33. The farmers' TRI value is considered to be moderate and needs to be improved.

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