Pustaka Ilmiah Universitas Padjadjaran

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Fungsi Intermediasi Lembaga Keuangan Perdesaan Dalam Mendukung Pembiayaan Pertanian Di Jawa Barat Intermediary Function Of Rural Financial Institutions In Supporting Agricultural Finance In West Java

Saat ini di perdesaan banyak bermunculan lembaga keuangan (LK) tetapi justru permasalahan kelangkaan modal (lack of capital) masih sangat dirasakan oleh petani dan UMKM agribisnis. Secara umum sikap risk averse LK terhadap sektor pertanian dan perdesaan masih tinggi, sehingga fungsi intermediasi Lembaga Keuangan Perdesaan tidak berjalan baik. Penelitian ini dilakukan di Jawa Barat dengan pendekatan makro menggunakan analisis regresi panel dan secara mikro, menggunakan SEM. Hasilnya menunjukkan bahwa secara makro fungsi intermediasi LK dipengaruhi oleh DPK, NPL dan SBI. Kredit ternyata berpengaruh terhadap pengurangan kemiskinan, sehingga dapat dijelaskan mengapa kemiskinan di Jawa Barat sulit berkurang selama fungsi intermediasi tidak berjalan dengan baik. Secara mikro fungsi intermediasi direfleksikan dari kualitas pelayanan yang ternyata berpengaruh positif terhadap kinerja usaha dan keberlanjutan usaha petani dan UMKM agribisnis.

Nowadays there are various rural financial institutions (RFI), but unfortunately farmers and agribusiness SMEs are still face lack of capital. In general, risk averse attitudes among RFIs upon agricultural and rural sectors were still dominant, so intermediary function of RFI was not running well. The research was conducted in West Java with at macro level using panel regression analysis and at micro level using the SEM. The results at the macro level show that RFI intermediation function was affected by TPF, NPL and the SBI. Amount of credit disburse reduce poverty level. So that poverty in West Java was difficult to be reduce as long as intermediary role of RFI was not well function. On the micro level the intermediary function reflected on the quality of service which turns a positive effect on business performance and sustainability of farmers and agribusiness SMEs.