FARMERS PERCEPTIONS AND PREFERENCES IN CIAMIS AND BANTUL ON ISLAMIC MICROFINANCE INSTITUTIONS (BMT)
ABSTRACT: This research is
done due to the fate of Indonesian people who, in majority, work as farmers. This
community has not yet shown an increase in having more prosperous standard of
living.This is assumed to be due to the insufficient capital, difficulty of
access to financing, inabilityto provide collateral, and the limited number of
the bank reach. This study attempts to revealthe role of Islamic micro-finance
institutions or BMT for providing opportunities for the farmers. Yet, this
rural community is unfamiliar with this institution. Therefore, it is important
to see their perceptions, preferences, and acceptance for adopting such
financial institution. It employs the theory of perception, preferences, and
level of adoption/acceptance of new things. The data were collected by means of
questionnaires and interview. The study was conducted in Ciamis and Bantul
Regencies from August to December 2009. It indicates thefarmers’ perception level
in Ciamis Regency high (91%), high-level preferences (97%), thusthey can adopt
Syariah microfinance institutions with a high level of acceptance (92%). In general,
it can be concluded that there is no difference in perceptions, preferences,
and the adoption of this bank by the communities in the two regencies.
Author: Suraya, Sumardjo, Sjafri
Mangkuprawira
Journal Code: jpakuntansigg100023
