ANALISIS PREFERENSI PETANI DALAM MENGGUNAKAN PRODUK PEMBIAYAAN SEKTOR PERTANIAN DI LEMBAGA KEUANGAN SYARIAH (Studi Kasus Pada Petani Padi Kecamatan Bantul, Kabupaten Bantul)
Abstract
This study aims to determine the preferences of farmers in the District of Bantul in using agricultural sector financing products in Islamic Financial Institutions with the knowledge and confidence indicators as the forming preferences and attitudes of farmers. The importance of this study is due to the lack of capital which remains a problem faced by farmers and agricultural business capital needs will increase along with rising prices of agricultural inputs such as technology, seeds, fertilizers and drugs. The sources of capital for inputs consisted of farmers own capital and the external capital. However the credit or external capital that have been gived by the Government and Conventional Financial Institutions did not bring changes for improving the welfare of farmers. One solution to the problem of the financing in Islamic Financial institusions. This research used descriptive analysis approach, by sampling technique using quota sampling with 60 respondents. Data were collected by questionnaire and interview then the result are described and the conclutions are drawn.the result show that the knowledge and confidence become the forming preferences and attitudes of farmers in the districtof Bantul in using financial products in Sharia Financing Institution. As much as 83% of respondents chose to use the financing product in Sharia Financing Institution and supported by the interest, farmers will use the financing products in Sharia Financing Institutionas mani 67% after knowing the information about agricultural sector financing products.