Faktor-Faktor Yang Mempengaruhi Petani Dalam Memilih Platform Crowdfunding    (Studi Kasus Pada Petani Hortikultura Di Desa Sumberejo, Magelang)

Pratiwi, Putu Yani; Yanuarti, Ika; Prihanto, Wim

doi:10.31937/manajemen.v12i1.1578

Cited by 6 publications

(8 citation statements)

References 7 publications

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“…Prioritas terakhir adalah faktor kepastian pasar. Penelitian Pratiwi et al (2020) menyimpulkan bahwa faktor kepastian pasar menjadi alasan petani mememilih platform crowdfunding sebagai salah satu pendanaan alternatif. Faktor kepastian pasar dengan GMk sebesar 0.286.…”

Section: Aspek Pasarunclassified

Faktor yang Memengaruhi Kemandirian Ekonomi Pesantren (Studi Pesantren Al-Ittifaq Bandung)

Silvana¹,

Lubis²

2021

JAM

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Islamic boarding school has the potential to develop the Islamic economy through the Islamic boarding school business unit. Optimizing business units can create Islamic boarding school economic independence. Even so, the fact is that there are still many Islamic boarding school that have not utilized their potential. One of the Islamic boarding school that has succeeded in achieving economic independence through business units is the Al-Ittifaq Boarding School in Bandung. The aim of this research is to analyze economic activities and factors that influence the economic independence of the Al-Ittifaq Islamic Boarding School. Using Analytical Network Process (ANP), the factors that influence the economic independence of the Al-Ittifaq Islamic Boarding School are divided into four aspects, namely institutional, production, stakeholder, and market aspects. The results show that market aspect has the biggest impact affecting the economic independence in Al-Ittifaq Islamic Boarding School and the four most influential factors are the kiai leadership and management, production information systems, capital, and market availability.

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Section: Aspek Pasarunclassified

Faktor yang Memengaruhi Kemandirian Ekonomi Pesantren (Studi Pesantren Al-Ittifaq Bandung)

Silvana¹,

Lubis²

2021

JAM

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“…Farmers prefer to access credit from these informal institutions because they are easier to access, do not request for collateral and do not require a long approval process, although these institutions charge higher interest rates compared to banks (Asnawi et al 2018; Supriatna 2008). The study by Supriatna (2008) showed that informal institutions in West Nusa Tenggara, Indonesia, may charge around 24–80% interest rate per year, while the interest rate of People’s Business Credit (Kredit Usaha Rakyat) is 7% per year (Pratiwi et al 2020). Microfinance, crowdfunding and peer-to-peer lending have also emerged as new financial alternatives in Indonesia.…”

Section: Introductionmentioning

confidence: 99%

“…Microfinance, crowdfunding and peer-to-peer lending have also emerged as new financial alternatives in Indonesia. These alternative financing do not request collateral (Khavul 2010; Pratiwi et al 2020) and use a profit sharing mechanism (Pratiwi et al 2020; Widiastuti et al 2018). One agriculture crowdfunding platform offers 70% profit for farmers and 30% profit for investors (Pratiwi et al 2020).…”

Section: Introductionmentioning

confidence: 99%

“…These alternative financing do not request collateral (Khavul 2010; Pratiwi et al 2020) and use a profit sharing mechanism (Pratiwi et al 2020; Widiastuti et al 2018). One agriculture crowdfunding platform offers 70% profit for farmers and 30% profit for investors (Pratiwi et al 2020). To lower default risk, some agriculture crowdfunding platforms in Indonesia implement group lending mechanism (Pratiwi et al 2020).…”

Section: Introductionmentioning

confidence: 99%

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The Impact of Joint Liability Group Lending on Lowering the Risk of Farmer and Agriculture Crowdfunding in Indonesia

Pratiwi

2021

International Journal of Rural Management

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Research on agriculture crowdfunding in developing countries is still limited. The crowdfunding platform offers uncollateralised loans to farmers. Therefore, they apply joint liability group lending to lower the default risk. However, from farmer’s point of view, joint liability causes higher risk since every group member bears his/her own risk and that of all other group members. Thus, the purpose of this article is to analyse how joint liability may lower the risk of both farmer and agriculture crowdfunding in Indonesia. A deductive qualitative research design with case study approach is used in this article. A series of in-depth interviews were conducted with one agriculture crowdfunding platform and two farmer groups. Data analysis was conducted by using pattern matching technique. The findings of this article are as follows: joint liability may lower the default risk of crowdfunding platform because the farmer groups are self-selected. The leader of the farmer group plays an important role in monitoring the members, and he may apply social sanction to the defaulting member. By implementing joint liability group lending, crowdfunding platform can provide extension services such as price certainty through contract farming, field agent monitoring and non-cash credit disbursement. These extension services help to lower the farmer’s risk.

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“…Himpunan Kerukunan Tani Indonesia (HKTI) menyatakan bahwa terdapat lima masalah yang masih menimpa sektor pertanian selama lima tahun kedepan yaitu teknologi, lahan yang semakin sulit, persoalan pupuk, pemasaran dan permodalan. Menurut Van der Meulen dan Van Asseldonk dalam Pratiwi et al, (2020) permodalan dapat digunakan para petani dalam melakukan ekspansi lahan dan investasi dalam menggunakan teknologi.…”

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Analisis Strategi Financial Technology Peer-to-Peer Lending Pt Crowde Membangun Bangsa Sebagai Permodalan Pertanian Digital

et al. 2021

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Capital is one of the most important factors in conducting a business. These days, farmers are still struggling to access loans as their capital from financial institutions due to complex requirements to fulfill and wholesalers that are not profitable for farmers. The solution to this problem is the utilization of financial technology with a Peer-to-Peer Lending system. PT CROWDE Membangun Bangsa is one of the start-ups that conducted a Peer-to-Peer Lending system in Indonesia. This study aimed to identify the strategy that the company uses to distribute digital capital to farmers by using SOAR analysis. SOAR analysis focuses on the strength and results the company wants to achieve and creates a strategy to increase farmers’ productivity and company profits. The results of this study were strategies the company can apply to increase farmer’s productivity by creating a program with farmers to adjust the agriculture practices theoretically and practically, empower farmers to do the post-harvest process, and increase partnership with other institutions to supply agriculture inputs and human resources such as agronomist.

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Faktor-Faktor Yang Mempengaruhi Petani Dalam Memilih Platform Crowdfunding (Studi Kasus Pada Petani Hortikultura Di Desa Sumberejo, Magelang)

Cited by 6 publications

References 7 publications

Faktor yang Memengaruhi Kemandirian Ekonomi Pesantren (Studi Pesantren Al-Ittifaq Bandung)

Faktor yang Memengaruhi Kemandirian Ekonomi Pesantren (Studi Pesantren Al-Ittifaq Bandung)

The Impact of Joint Liability Group Lending on Lowering the Risk of Farmer and Agriculture Crowdfunding in Indonesia

Analisis Strategi Financial Technology Peer-to-Peer Lending Pt Crowde Membangun Bangsa Sebagai Permodalan Pertanian Digital

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