Faktor-Faktor yang Memengaruhi Keputusan Petani Cabai Merah di Indonesia untuk Mengambil Kredit

Red pepper is a horticulture commodity that has fluctuating prices in the market. The price affected by availability of peppers. Meanwhile, red peppers depends on production activities at farm level. However, farmers require big capital to produce these Inadequate leads low crop production, which common problem among farmers. Farmer financing done overcome this one channelling credit them. Although facility been provided, only few used it. Therefore, it necessary research factors influence Indonesian farmers’ decisions use credit. This study uses binary logistic regression model determine Indonesia results revealed location, age, formal education, gender, cooperative membership, group partnership, agricultural extension, and machinery significantly influenced decision take as resource.