Analisis Pengaruh Lembaga Keuangan Mikro Dalam Meningkatkan Kesejahteraan Petani di Indonesia

Seraf Naifeto; Ritma Ritma; Birgitta Dian Saraswati

doi:10.58300/transformatif.v15i1.1576

Authors

Seraf Naifeto Program Studi Ilmu Ekonomo, Fakultas Ekonomi dan Bisnis, Universitas Kristen Satya Wacana, Salatiga, Indonesia
Ritma Ritma Program Studi Ilmu Ekonomo, Fakultas Ekonomi dan Bisnis, Universitas Kristen Satya Wacana, Salatiga, Indonesia
Birgitta Dian Saraswati Program Studi Ilmu Ekonomo, Fakultas Ekonomi dan Bisnis, Universitas Kristen Satya Wacana, Salatiga, Indonesia

DOI:

https://doi.org/10.58300/transformatif.v15i1.1576

Keywords:

Lembaga Keuangan Mikro, Kesejahteraan Petani, Nilai Tukar Petani

Abstract

Kesejahteraan petani di Indonesia masih menghadapi tantangan meskipun Nilai Tukar Petani (NTP) menunjukkan peningkatan. Salah satu faktor yang diduga memengaruhi kesejahteraan adalah akses terhadap Lembaga Keuangan Mikro (LKM). Penelitian ini bertujuan untuk menganalisis pengaruh jumlah dan aset LKM terhadap kesejahteraan petani di Indonesia pada periode 2019–2024, dengan NTP sebagai indikator kesejahteraan. Metode yang digunakan adalah regresi data panel dengan pendekatan Random Effect dan robust standard errors, menggunakan data sekunder dari BPS dan OJK. Hasil penelitian menunjukkan bahwa jumlah LKM tidak berpengaruh signifikan terhadap kesejahteraan petani, sedangkan aset LKM berpengaruh positif dan signifikan. Selain itu, musim tanam juga berdampak signifikan terhadap NTP. Temuan ini mengindikasikan bahwa keberhasilan LKM dalam meningkatkan kesejahteraan petani lebih bergantung pada kapasitas aset lembaga dan kualitas pendampingan, bukan sekadar jumlah lembaga yang tersedia. Penelitian ini memberikan implikasi penting bagi penguatan kapasitas LKM, peningkatan akses pembiayaan produktif, serta strategi adaptasi terhadap musim tanam untuk mendukung kesejahteraan petani yang berkelanjutan.

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