Smallholder farmers behaviour to access bank in an integrated crop-livestock system in West Nusa Tenggara, Indonesia

Agriculture is one of the most important sectors to support household economy in West Nusa Tenggara (WNT), dominated by small holder farmers. This paper aims provide insight on smallholder farmers attitude access bank under integrated crop-livestock system WNT. A survey was conducted 2021 East Lombok, Sumbawa and Bima districts covering 103 study found that Lombok has less interaction with compared Bima. Reasons mentioned were afraid be unable repay, no collateral, need loan. Conversely, have accessed loan for more than 5 years crops cattle farming. difference also associated resources. Average land ownership per much lesser Bima, 0,4 vs 2 0,7 ha respectively, 1-2 4-5 5-6 head respectively. Loan farming often get repaid from selling cattle. Hence, it concluded resources are keener as they back up different enterprise repayment. Cattle play significant safeguard role repay an system.