Peran Akses Lembaga Keuangan Mikro Agribisnis (LKM-A) terhadap Penanggulangan Kemiskinan
Studi Kasus di Kabupaten Kuningan
DOI:
https://doi.org/10.21787/jbp.15.2023.357-372Kata Kunci:
Lembaga Keuangan Mikro, kemiskinan, inklusivitas keuanganAbstrak
Penelitian ini bertujuan untuk mengetahui apakah peran Lembaga Keuangan Mikro Agribisnis (LKM-A) berpengaruh secara nyata atau signifikan terhadap kemiskinan rumah tangga petani. Metode dasar yang digunakan adalah metode deskriptif analitis dengan sampel menggunakan metode purposive sampling dengan jumlah sampel 52 dengan dibagi dalam tiga musim tanam (MT I, MT II, dan MT III). Metode analisis yang digunakan adalah metode logit atau regresi logistik dengan variabel of interest yaitu akses debitur LKM-A dan 9 variabel kontrol lainnya. Hasil penelitian menunjukkan bahwa 4 dari 10 variabel berpengaruh secara negatif (koefisien di bawah 1) yang artinya memiliki hubungan untuk menurunkan resiko kemungkinan untuk miskin, yaitu variabel akses debitur LKMA; akes debitur Bank; luas area lahan, dan status pernikahan. Peluang yang tinggi dalam menekan resiko kemungkinan kemiskinan ini menunjukkan LKM-A dan Bank dapat menjadi jawaban bagi petani demi meningkatkan inklusivitas keuangan.
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